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Privacy Policy

Privacy Policy

This privacy policy governs the collection, storage and use of personal information by us on our website www.ablrate.com. It provides you with details about how your personal information is treated, your rights to that data, and how we use that data. By accessing our website and using the Ablrate Platform, you agree to this privacy policy in its entirety. If you don’t agree with this privacy policy as a whole or partially, you must not use the Ablrate website or services. The following are the definitions of terms used in this privacy policy;

“Ablrate”, “we”, “us” and “our” means Aviation and Tech Capital Limited;

“Ablrate Group” means Ablrate and any parent company or Subsidiary of Ablrate from time to time (including but not limited to Ablrate Assets Limited)

“you” and “your” means a user of the website and the services provided via it;

“Loan Contract” means the agreement between Lending Members and a Borrower comprising our standard Loan Conditions and Loan Contract Terms (and forming an individual and seperate Loan between the Borrower and Lending Member).

“Subsidiary” means any subsidiary company within the meaning of section 1159 of the Companies Act 2006 or any subsidiary undertaking within the meaning of section 1162 of the Companies Act 2006

This privacy policy was last updated on the 24th May 2018.

Please check back regularly to keep informed of updates to this privacy policy.

1. Who we are.

Aviation and Tech Capital Limited is a company incorporated in England and Wales, whose registered number is 07940046 and whose registered office is c/o Montgomery Swann, Scotts Sufferance Wharf, 5 Mill Street, City of London, Greater London, SE1 2DE and whose principal place of business is at Badgemore House, Gravel Hill, Henley-on-Thames. Oxon, RG9 4NR (“Ablrate”). Ablrate are registered with the Information Commissioner (ZA033501) and Ablrate are authorised and regulated by the Financial Conduct Authority (FRN: 724444).

The purpose of this notice

This Notice is designed to help you understand what kind of information we collect in connection with our products and services and how we will process and use this information. In the course of providing you with products and services we will collect and process information that is commonly known as personal data.

This Notice describes how we collect, use, share, retain and safeguard personal data.

This Notice sets out your individual rights, we explain these later in the Notice but in summary these rights include your right to know what data is held about you, how this data is processed and how you can place restrictions on the use of your data.

What is personal data?

Personal data is information relating to an identified or identifiable natural person. Examples include an individual’s name, age, address, date of birth, gender and contact details.

Personal data may contain information which is known as special categories of personal data. This may be information relating to an individual’s health, racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic and biometric data, or data relating to sexual orientation.

Personal data may also contain data relating to criminal convictions and offences.

For the purposes of safeguarding and processing criminal conviction and offence data responsibly, this data is treated in the same manner as special categories of personal data, where we are legally required to comply with specific data processing requirements.

Personal data we collect

In order for us to provide you with online lending services and to administer your account we will collect and process personal data about you. We will also collect your personal data where you request information about our services, promotions and campaigns.

We may also need to collect personal data relating to others when providing you with our products. In most circumstances, you will provide us with this information. Where you disclose the personal data of others, you must ensure you are entitled to do so.

You may provide us with personal data when signing up to our services, through application forms, when completing contact forms, when you contact us via the telephone, when writing to us directly or we complete forms in conjunction with you.

We will share your personal data within our group of companies, including affiliates and subsidiaries and with business partners. This is normal practice within our industry where it is necessary to share information to manage and administer your account and administer our business.

We also share personal data with authorised third parties. This is necessary where we are required to do so by law, where we need to administer our business and your account. Some example third parties follow:

– Regulatory agencies
– HMRC
– credit reference agencies
– debt recovery agencies

Why do we need to collect your personal data

We will use your personal data for the performance of our contract with you, to provide you with online lending services, to administer your lending account and our business, to respond to any requests from you about services we provide and to process complaints. We will also use your personal data to manage your account, perform statistical analysis on the data we collect, for financial planning and business forecasting purposes and to develop new and market existing products and services.

In using our products and services you should understand that you are forming a contract with us. If you contact us to request details on the services we provide, we consider ourselves as having a legitimate business interest to provide you with further information about our services.

In some situations we may request your consent to market our products and services to you, to share your data or to transfer your data outside the European Economic Area. Where we require consent, your rights and what you are consenting to will be clearly communicated to you. Where you provide consent, you can withdraw this at any time by contacting our data protection officer or our administration department.

In some situations, we may request your explicit consent to process special category and criminal conviction data in order to provide our services. Where we require explicit consent for the processing of this data, your rights and what you are consenting to will be clearly communicated to you. Where you provide consent, you can withdraw this at any time by contacting our data protection officer or our administration department.

We will retain your personal data at the end of any contractual agreement for a the period required by our regulatory obligations. We will retain special category and criminal conviction data for the period required by our regulatory obligations. Where you have complained about the services you have received we will retain your data for the period required by our regulatory obligations. Where you have contacted us for details of our services and products, we will retain your personal data for 1 year. Where you or law enforcement agencies inform us on any active investigation or potential criminal prosecution, we will comply with legal requirements when retaining this data.

The retaining of data is necessary where required for contractual, legal or regulatory purposes or for our legitimate business interests for statistical analysis (profiling) and product development and marketing purposes.

Sometimes we may need to retain your data for longer, for example if we are representing you or defending ourselves in a legal dispute or as required by law or where evidence exists that a future complaint may occur.

You should be aware that we use automated decision making (services/tools and techniques) to check for customer suitability to our products, for example we might perform an online search to check an individual’s address and comply with our anti-money laundering obligations. We also analyse data to identify products and services that customers may be interested in, this is commonly known as profiling. You have the right to object to the use of profiling activities and the use of automated decision making (services/tools and techniques).

Please contact our data protection officer if you object to the use of, or you have any questions relating to the use of, your data, the retention of your personal data or the use of profiling and automated decision making services/tools and techniques. You can opt out of receiving marketing services by lgining int your dashboard and select which emails your wish to receive and those you dnt wish to recieve. We are obliged by regulation to make sure that you are able too see transactional updates, so these will be stored within your notifications section for your review.

International transfer of personal data

We may transfer your data to third parties based outside the European Economic Area. This is necessary for the purposes of administering our business and/or managing your account. Such parties are not permitted to use your personal data for any other purpose than for what has been agreed with us. These parties are also required to safeguard your personal data through the use of appropriate technical and organisational data security measures and are prohibited from disclosing or sharing your data with other third parties without our prior authorisation, or unless as required by law.

Please see below for a list of organisations your personal data is transferred to and/or for further information on the measures undertaken to safeguard your data.

Your rights

Individuals are provided with legal rights governing the use of their personal data. These grant individuals the right to understand what personal data relating to them is held, for what purpose, how it is collected and used, with whom it is shared, where it is located, to object to its processing, to have the data corrected if inaccurate, to take copies of the data and to place restrictions on its processing. Individuals can also request the deletion of their personal data.

These rights are known as Individual Rights under the Data Protection Act 2018. The following list details these rights:

The right to be informed about the personal data being processed;
The right of access to your personal data;
The right to object to the processing of your personal data;
The right to restrict the processing of your personal data;
The right to rectification of your personal data;
The right to erasure of your personal data;
The right to data portability (to receive an electronic copy of your personal data);
Rights relating to automated decision making including profiling.

Individuals can exercise their Individual Rights at any time. As mandated by law we will not charge a fee to process these requests, however if your request is considered to be repetitive, wholly unfounded and/or excessive, we are entitled to charge a reasonable administration fee.

In exercising your Individual Rights, you should understand that in some situations we may unable to fully meet your request, for example if you make a request for us to delete all your personal data, we may be required to retain some data for taxation, prevention of crime and for regulatory and other statutory purposes.

You should understand that when exercising your rights, a substantial public or vital interest may take precedent over any request you make. In addition where these interests apply, we are required by law to grant access to this data for law enforcement, legal and/or health related matters.

The flow of data within the online lending sector is complex and we ask you to keep this in mind when exercising your ‘rights of access’ to your information. Where we may be reliant on other organisations to help satisfy your request this may impact on timescales.

If you require further information on your Individual Rights or you wish to exercise your Individual Rights, please contact our data protection officer by emailing customerservices@ablrate.com or by writing to Ablrate, Badgemore House, Gravel Hill, Henley-on-Thames, Oxon RG9 4NR.

Protecting your data

We will take all appropriate technical and organisational steps to protect the confidentiality, integrity, availability and authenticity of your data, including when sharing your data within our group of companies and authorised third parties.

Data protection officer

To comply with our legal obligations and to ensure data privacy and protection has appropriate focus within our organisation, we have a Data Protection Officer who reports to our senior management team. The Data Protection Officer’s contact details are as follows: Philip Taylor (philip@ablrate.com)

Complaints

If you are dissatisfied with any aspect of the way in which we process your personal data please contact the data protection officer. You also have the right to complain to the UK’s data protection supervisory authority, the Information Commissioner’s Office(ICO). The ICO may be contacted via its website which is https://ico.org.uk/concerns/, by live chat or by calling their helpline on 0303 123 1113.

2. Lender specific information.

If you are applying to be a member of Ablrate as a lender then this section explains the type of personal information we collect about you and how we may store, use and disclose your information.

2.1 The personal information we collect about you

(a) When you access, browse this website, submit personal information or apply to be a Lending Member of Ablrate and while you continue to be a member of Ablrate we will collect information from you which will include;

(i) your name;
(ii) your current and previous postal addresses;
(iii) your phone, fax and e-mail details;
(iv) your bank or building society account details and details of debit cards used to make transfers on Ablrate;
(v) your date of birth;
(vi) your passwords and security question answers;
(vii) comments you make on blogs and discussion forums on the website;
(viii) correspondence with us by email and post;
(ix) answers to questions required by ID3 Global for identification purposes;
(x) data about your activities using Ablrate.
(b) If you give us false or inaccurate information and we suspect or identify fraud, we will record this.
(c) If false or inaccurate information is provided and fraud is identified, details may be passed to fraud prevention agencies.

Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

– checking details on applications for credit and credit related or other facilities
– managing credit and credit related accounts or facilities
– recovering debt

We and other organisations may access and use from other countries the information recorded by any fraud prevention agencies we may use.

(d) We may also collect anonymised data in order to analyse statistics for usage of the site, however this data will not carry any single user identification.

2.2 How we may store, use and disclose your information.

(a) Ablrate, third party data processors, agents and sub-contractors acting on our behalf, may collect, store and use your personal information for the following purposes:

(i) to authenticate and verify your identity and detect crime including money laundering;

(ii) to manage your Ablrate Lending Member’s account with us and update the records we hold about you from time to time;

(iii) to identify any fraud being committed;

(iv) to carry out statistical and market research;

(v) to carry out required regulatory checks;

(vi) to develop and improve our services and products;

(vii) to make this website available to you and to identify the products and services which you may be interested in;

(b) Any or all of the processes above may be automated.

(c) We may disclose your personal information as follows:

(i) to a third party if it acquires all (or substantially all) of our business and/or assets in connection with the acquisition; and

(ii) where we are required to do so by applicable law, by a governmental body, law enforcement agency or regulatory agency.

(iii) to Ablrate Assets Limited for the purpose of setting up a secured loan or leasing finance product and/or enforcing a secured loan.

(iv) to any member of the Ablrate Group of companies for the purposes of providing and administering the Ablrate platform and services.

(d) We will also provide transactional information to other members of Ablrate but this information will not include your bank payment details or any persoanl information. Your account number may be used in the Loan Contract Terms. We are not responsible for misuse of this transactional information by Ablrate members but please let us know if you become aware of such misuse of this data.

(e) Details of the Borrowers account and how it is managed may be shared with credit reference agencies.

(f) We will not sell your data, rent your personal information unless you have specifically consented to the use of that data. If you do consent and later change your mind, contact us immediately and we will cease any such activity as soon as we are informed.

3. Borrower specific information

When you access, browse this website, submit personal information or apply to be a Borrower on Ablrate and while you continue to be a member of Ablrate we will collect information from you which will include;

3.1 The personal information we collect about you

(a) When you access, browse the website (including when you submit personal information to us through data entry fields on the website) or apply to be a member of Ablrate as a borrower, or use an agent to make a loan application on your behalf, and whilst you continue to be a member of Ablrate, we will collect information from you, which will include the following information:

(i)  your name and your business name;

(ii) your current and previous home postal addresses;

(iii) your business postal address;

(iv) your business phone, fax and e-mail details;

(v) your business bank or building society account details and;

(vi) your date of birth;

(vii) your passwords and security question answers;

(viii) comments you make on blogs and discussion forums on the website;

(ix) correspondence with us by email and post;

(x) answers to questions required by ID3Global for identification purposes;

(xi) information provided in your application form; and

(xii) data about your activities using Ablrate.

(b) If you give us false or inaccurate information, either directly or through an agent, and we suspect or identify fraud, we will record this.

(c)If false or inaccurate information is provided and fraud is identified, details may be passed to fraud prevention agencies.

Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

– checking details on applications for credit and credit related or other facilities
– managing credit and credit related accounts or facilities
– recovering debt

We and other organisations may access and use from other countries the information recorded by any fraud prevention agencies that we use.

(d) We may also collect anonymised data in order to analyse statistics for usage of the site, however this data will not carry any single user identification.

(e) We will check information about you held on our own records and also obtain information from credit reference agencies about you and your business partners’ personal credit behaviour and personal credit accounts if you are proprietors of a small business and are directors of that business, your business accounts, identity information on beneficial owners of the business, your personal financial partner’s personal accounts (if they are a director). If you are a director, we will seek confirmation that the residential address you provide is the same as that shown on the restricted register of directors’ usual address at Companies House.

(f) We may also search at fraud prevention agencies for information on your business, you, your personal financial partner (if they are a director), your business partners, beneficial owners and your addresses.

3.2 How we may store, use and disclose your information

(a) Ablrate or third party data processors, agents and sub-contractors acting on our behalf, may collect, store and use your personal information for the following purposes:

(i) to assess your application for credit, including by using scoring methods;

(ii) to check details on applications for credit and credit related and other facilities;

(iii) to verify your identity in order to prevent and detect crime and money laundering, including by using scoring methods;

(iv) to manage your Ablrate borrower account with us and update the records we hold about you from time to time;

(v) to identify fraud;

(vi) if you do not repay money you have borrowed, to trace your whereabouts and recover debts or enforce a Loan Contract;

(vii) to carry out statistical analysis and market research;

(viii) to carry out regulatory checks;

(ix) to develop and improve our services and products;

(x) to make this website available to you and to identify the products and services which you may be interested in;

(xi) where you have given us your consent, to contact you (including by SMS and e-mail) with products and services which we think may interest you; and

(xii) where you have given us your consent, to disclose your personal information to carefully chosen third parties so that they may contact you (including by SMS and e-mail) with products and services which they think may interest you.

(b) Any or all of the processes above may be automated.

(c) We may disclose your personal information as follows:

(i) to credit reference agencies who will record information about your application, your business, you and your business partners. For the avoidance of doubt we will not disclose any management account information you supply to us to credit reference agencies;

(ii) to credit reference and fraud prevention agencies, where it will be recorded by them, and supplied to other organisations to perform similar checks, trace your whereabouts and recover debts you owe;

(iii) we may provide information about your loans with Ablrate and how you manage them to credit reference agencies, where it will be recorded by them but we will not disclose information on your other loans outstanding that has been provided to us from credit reference agencies;

(iv) we may provide information about other loans outstanding with Ablrate Lending Members;

(v) to and via an organisation which provides a centralised matching service which it collects from mortgage and/or credit applications, for the purpose of preventing and detecting fraud;

(vi) to other members of Ablrate if required to enforce any Loan Contract. If we provide you with information about other Ablrate members for this purpose then you must only use it to communicate with us about your Loan Contract;

(vii) to a third party if it acquires all (or substantially all) of our business and/or assets in connection with the acquisition; and

(viii) where we are required to do so by applicable law, by a governmental body, law enforcement agency or regulatory agency.

(x) to Ablrate Assets Limited for the purpose of setting up a secured loan or asset finance product and/or enforcing a secured loan.

(xi) to any member of the Ablrate Group for the purposes of providing and administering the Ablrate platform and services.

(d) We will also provide transactional information to other members of Ablrate but this information will not include your postal address or payment details. The name of your business will be used in the Loan Contract Terms. We are not responsible for misuse of this transactional information by Ablrate members but you should let us know about any misuse of such information.

(e) We will not provide the following information to other Ablrate members (although these may be available on publicly accessible websites such as Companies House):

(i) addresses and personal details of directors;

(ii) ownership of different shareholders;

(iii) employee details;

(iv) contact numbers or email addresses of the business; and

(v) any other data used in the verification of the directors.

(f) When applying for a loan you may choose to supply your personal information or other information about shareholders, directors or member’s financial position in order to secure a lower interest rate or to ensure you loan is funded. Please be aware this information is available to all registered members of Ablrate and other members may use this information. If you would like this personal information removing, please contact us.

(g) We will not disclose, sell or rent your personal information to any third party unless you have consented to this. If you do consent but later change your mind, you may contact us and we will cease any such activity.

3.3 What Credit Reference and Fraud Prevention Agencies Do?

(a) When credit reference agencies receive a search from us they will:

(i) place a credit search request on your file, which may be seen by others when you apply for credit elsewhere.

(ii) if your directors are also checked a search enquiry will appear on the credit files of you directors or any others who have been submitted as being involved in your business and who we may wish to have searched;

(iii) link together the previous and subsequent names advised by you, of anyone that is a party to the account;

(iv) place an enquiry or identification search on the record of any shareholder who is a beneficial owner and who we have checked;

(v) create a record of the name and address of your business and its proprietors if there is not one already.

(b) Credit reference agencies supply the following information to us:

(i) information about your business or company, such as previous applications for credit and the conduct of the accounts and also similar personal credit information in your name and of your business partners;

(ii) public information such as County Court Judgments (CCJs) and bankruptcies;

(iii) electoral register information on you and your business partners;

(iv) fraud prevention information; and

(v) confirmation or otherwise of the residential address information supplied by the directors match those on public record and that these addresses match those held by other credit reference agencies.

(c) Credit reference agencies will keep records of outstanding debt on file for six years after they are closed, whether settled by you or defaulted.

(d) Your information will not be used by credit reference agencies to create a blacklist or to make a decision.

(e) The information which we and other organisations may provide to the credit reference agencies and fraud prevention agencies about you, your business partners and details about your business may be supplied by credit reference agencies and fraud prevention agencies to other organisations and used by them to:

(i) prevent crime, fraud and money laundering by, for example checking details provided on applications for credit and credit related or other facilities;

(ii) check the operation of credit and credit-related accounts;

(iii) verify your identity if you or your business partner(s) applies for other facilities;

(iv) make decisions on credit and credit related services about you and/or your business partner, or your business;

(v) manage your personal, your business partner’s and/or business credit or credit related account(s);

(vi) trace your whereabouts and recover debts that you owe;

(vii) conduct other checks to prevent or detect fraud; and

(f) undertake statistical analysis and system testing.

Organisations may access and use from other countries the information recorded by fraud prevention agencies.

3.4 How we may store, use and disclose information provided to us about third parties

We may use information you or your agent provide to us about directors/business partners and shareholders of your business to verify their identity. We may also disclose information about your business partners and shareholders to credit reference agencies so you must be sure that you have their agreement to do this. Information on shareholders who are beneficial owners will be used and supplied to others only for the purpose of the performance of identity checks and with their specific consent.

4. Agent specific information

If you are applying to be a member of Ablrate as an agent for borrowers then this section explains the type of personal information we collect about you and how we may store, use and disclose your information.

4.1 The personal information we collect about you

(a)    When you access, browse the website (including when you submit personal information to us through data entry fields on the website) or apply to be a member of Ablrate as an agent, and whilst you continue to be a member of Ablrate, we will collect information from you, which will include the following information:

(i) your name and your business name;
(ii) your current and previous home postal addresses;
(iii) your business postal address;
(iv) your business phone, fax and e-mail details;
(v) your business bank or building society account details;
(vi) your date of birth;
(vii) your passwords and security question answers;
(viii) comments you make on blogs and discussion forums on the website;
(ix) correspondence with us by email and post;
(x) answers to questions required by Experian for identification purposes;
(xi) information provided in your application form; and
(xii) data about your activities using Ablrate.
(b) If you give us false or inaccurate information and we suspect or identify fraud, we will record this.
(c) If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.

Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

– checking details on applications for credit and credit related or other facilities
– managing credit and credit related accounts or facilities
– recovering debt

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

(d) We may also collect anonymised details about visitors to the website for the purposes of aggregate statistics or reporting purposes and to calculate referral fees. However, no single individual will be identifiable from the anonymised details we collect or disclose for these purposes.

(e) We will check information about you held on our own records and also obtain information from credit reference agencies about you and your business partners’ personal credit behaviour and personal credit accounts if you are proprietors of a small business and are directors of that business, your business accounts, identity information on beneficial owners of the business, your personal financial partner’s personal accounts (if they are a director). If you are a director, we will seek confirmation that the residential address you provide is the same as that shown on the restricted register of directors’ usual address at Companies House.

(f) We will also search at fraud prevention agencies for information on your business, you, your personal financial partner (if they are a director), your business partners, beneficial owners and your addresses.

4.2 How we may store, use and disclose your information

(a) We (or third party data processors, agents and sub-contractors acting on our behalf) may collect, store and use your personal information for the following purposes:

(i) to assess your creditworthiness;
(ii) to verify your identity in order to prevent and detect crime and money laundering, including by using scoring methods;
(iii) to manage your Ablrate agent account with us and update the records we hold about you from time to time;
(iv) to identify fraud;
(v) to carry out statistical analysis and market research;
(vi) to carry out regulatory checks;
(vii) to develop and improve our services and products;
(viii) to make this website available to you and to identify the products and services which you may be interested in;
(ix) where you have given us your consent, to contact you (including by SMS and e-mail) with products and services which we think may interest you; and
(x) where you have given us your consent, to disclose your personal information to carefully chosen third parties so that they may contact you (including by SMS and e-mail) with products and services which they think may interest you.
(b) Any or all of the processes above may be automated.
(c) We may disclose your personal information as follows:
(i) to credit reference agencies who will record information about your business, you and your business partners;
(ii) to credit reference and fraud prevention agencies, where it will be recorded by them, and supplied to other organisations to perform similar checks;
(iii) to and via an organisation which provides a centralised matching service which it collects from mortgage and/or credit applications, for the purpose of preventing and detecting fraud;
(iv) to other members of Ablrate if required to enforce any Loan Contract that you may have facilitated to put in place for a borrower;
(v) to any member of the Ablrate Group for the purposes of providing and administering the Ablrate platform and services.
(vi) to a third party if it acquires all (or substantially all) of our business and/or assets in connection with the acquisition; and
(vii) where we are required to do so by applicable law, by a governmental body or by a law enforcement agency.
(d)  We will not disclose, sell or rent your personal information to any third party unless you have consented to this. If you do consent but later change your mind, you may contact us and we will cease any such activity.

4.3    How we may store, use and disclose information provided to us about third parties

We may use information you provide to us about directors/business partners and shareholders of your business to verify their identity. We may also disclose information about your business partners and shareholders to credit reference agencies so you must be sure that you have their agreement to do this. Information on shareholders who are beneficial owners will be used and supplied to others only for the purpose of the performance of identity checks and with their specific consent.

For details of how we may store, use and disclose information which you provide in relation to borrowers on whose behalf you make loan applications, please refer to section 3 above. You must provide a copy of this privacy policy to any potential borrowers whom you represent. You must ensure that they are made aware of the content of section 3 above and that they give their consent to their information being used in accordance with this privacy policy before you provide any information about the borrower to us.

5. Cookies

This website uses cookies to collect information about you. If you use this website, then you accept that we can use the cookies set out below.

5.1. What are cookies?

Cookies are small data files which are placed on your computer by this website and which collect certain personal information about you.

5.2. Why do we use cookies?

Cookies enable us to tailor our service offering (including the website) and to provide you with a better service.

5.3. What cookies do we use?

We use the following cookies:

Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website. They do not gather information about you that could be used for marketing purposes or remembering where you’ve been on the Internet.

Analytical/performance cookies. They allow us to collect information about how you use our website, such as, how you move around our website and if you experience any errors. These cookies do not collect any information that could identify you; all of the information collected is anonymous and is only used to help us improve the way our website works, understand what interests our users and measure how effective our advertising is.

Functionality cookies. These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences and improve your visit.

Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed. They are linked to services provided by third parties, such as “Like” and “Share” buttons. The third party provides these services in return for recognising that you have visited our website.

Generally, cookies which are strictly necessary for the operation of the website will expire when you leave the website. Other cookies may be more permanent or not expire unless you actively delete them.

5.4. How to reject cookies?

If you want to reject any of the cookies that we use, then you will need to change your website browser settings.

6. Security

Whilst we take appropriate technical and organisational measures to safeguard the personal information that you provide to us, we accept no liability if communications are intercepted by third parties or incorrectly delivered or not delivered.

7. Third party sites

This website contains links to other websites operated by third parties. Please note that this privacy policy applies only to the personal information that we collect through this website and we cannot be responsible for personal information that third parties may collect, store and use through other websites. You should always read the privacy policy of each website you visit carefully.

The third party systems in the delivery of services via Ablrate, such as email delivery, customer service applications and general email systems that we currently use are:

(i) GSuite (Google) (Privacy Policy)

(ii) Sendgrid (Privacy Policy)

(iii) Hubspot

(iv) ID3 Global

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