FraudLock Privacy Policy

Welcome to FraudLock. Keeping your non-public personal information secure and confidential is one of our top priorities. This FraudLock Privacy Policy describes how information we collect from you or that you provide to us will be processed by us. Please take a moment to read this FraudLock Privacy Policy carefully to learn how we handle your personal information.

This policy may change from time to time. By accessing our web site, you agree to be bound by the terms of this Privacy Policy, as amended at the time you enrol, access or use our services or our web site. Accordingly, you should check this Privacy Policy when you visit our web site, and from time to time while you are enrolled for our service. . You may also obtain a paper copy of the current version of our Privacy Policy by contacting us as detailed in the Contact Us section at the end of this policy.

For the purpose of the Data Protection Act 1998, the data controller is FraudLock Limited of 51 Basford Rd, Nottingham, England, NG60JG.

How we collect personal information

We may ask you for the following types of information: contact information (such as name, address, phone number, and email address); sensitive information (such as date of birth, and driver's license number); personal information to verify your identity, and financial information (such as credit card number). This information is required in order to verify your identity, charge you the agreed fees for our services, and to fulfil our obligation to provide services to you, including communicating with third parties as necessary to provide those services, such as identification verification companies, consumer reporting agencies, payment validation companies, law enforcement agencies, or others.

We also receive information from you when you send us email, applications and other forms, when you enrol for our services, or when you call us. We may also collect information about your transactions with us, such as what products and services you ordered, as well as your transactions with any third parties with whom we put you in communication.

Note that you may, as part of your policy provide personal details about others, such as family members to be included in your membership. Where you do so you are responsible for ensuring such details are accurate and that you have consent to provide these details to us.

IP addresses and cookies

We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.

For the same reason, we may obtain information about your general internet usage by using a cookie file which is stored on the hard drive of your computer. Cookies contain information that is transferred to your computer's hard drive. They help us to improve our site and to deliver a better and more personalised service. They enable us:

• To estimate our audience size and usage pattern.
• To store information about your preferences, and so allow us to customise our site according to your individual interests.
• To speed up your searches.
• To recognise you when you return to our site.

You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. However, if you select this setting you may be unable to access certain parts of our site. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to our site.

[Please note that our advertisers may also use cookies, over which we have no control.]

Links to Other Sites

The FraudLock web site contains links to other sites, including a third party referral program site. Our Privacy Policy only applies to information we collect from you while you are at and while you are actively in a session on our website.

Why we collect personal information

As a member of FraudLock or as a user of our web site, we want you to know that we collect your non-public personal information for the following reasons:

• To enrol you as a member or complete a transaction
• To request placement of a fraud alert on your consumer report
• To perform or complete other FraudLock services for you, or to contact you about other FraudLock services from time to time
• To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes.
• To carry out our obligations arising from any contracts entered into between you and us.
• To allow you to participate in interactive features of our service, when you choose to do so.
• To notify you about changes to our service.

We may also use your data, or permit selected third parties to use your data, to provide you with information about goods and services which may be of interest to you and we or they may contact you about these by email, sms, post or telephone.

If you are an existing customer, we will only contact you with information about goods and services similar to those which were the subject of a previous sale to you.

If you are a new customer, and where we permit selected third parties to use your data, we (or they) will contact you by electronic means only if you have consented to this.

If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please tick the relevant box situated on the form on which we collect your data

When and to whom we disclose personal information

We may disclose non-public personal information about you directly to third parties on your behalf in order to process or perform our services for you. For example, we may provide information to:

• A consumer reporting agency representative, in the course of placing a fraud alert
• A police officer, in the course of filing a police report
• An insurance claims officer, in the course of filing an insurance claim
• A representative of a financial institution or credit card company
• An insurance claims officer, in the course of filing an insurance claim
• A consumer reporting agency or other organizations to order informational reports about you on your behalf
• Third party service providers for the purpose of allowing them to provide the relevant services and/or so that they can confirm your enrolment or deliver to you additional products or services you are expecting upon enrolment, such as special discounts or rewards. In addition, we reserve the right to use or disclose personal information we collect about you (i) in order to investigate a possible crime, such as fraud or identity theft; (ii) in connection with the sale, purchase, merger, or reorganization of FraudLock; or (iii) when we believe it is necessary to protect the rights, property, or safety of FraudLock or other persons. Further, at times we may be required by law or legal process to disclose your personal information. We will comply with any such law or legal process.
• We may also disclose non-public personal information about you to service providers to assist us in providing services.
• A payment verification company to provide credit card validation for us.
• An identity verification service or a third party administrator for any customer rewards program.

When you enrol for our services, we will share your information with these services providers as necessary to provide our services to you. We prohibit these service providers by contract from using your personally identifiable information for any purpose other than to complete the delivery and performance of our services.

If you have enrolled for our services with another person, we may share personally identifiable information with any other person enrolled with you on your FraudLock account.

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
• Checking details on proposals and claims for all types of insurance
• Checking details of job applicants and employees

Please contact us as detailed in the Contact Us section at the end of this policy if you want to receive details of the relevant fraud prevention agencies that we eventually use. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

We may disclose your personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries.

Where we store your personal data

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area ("EEA"). It may also be processed by staff operating outside the EEA who work for us, for one of our suppliers, or for fraud prevention agencies. Such staff maybe engaged in, among other things, the fulfilment of your order, the processing of your payment details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

All information you provide to us is stored on our secure servers. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

How we protect your non-public personal information

FraudLock uses strict physical, electronic, and managerial procedures to safeguard the confidentiality and security of the non-public personal information you provide to us.

• We do not disclose your non-public personal information except as described in this privacy statement.
• We limit access to your non-public personal information to those individuals who "need to know" in order to perform a business purpose related to our Service.
• Any data we transmit over a private network will be sent via secure, encrypted channels.

Security

The security of your personal information is important to us. When you enter sensitive information (such as credit card number and/or social security number) on our registration or order forms, we encrypt that information using secure socket layer technology (SSL).

We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

If you have any questions about security of your non-public personal information or the security on our web site, you can send us contact us as detailed in the Contact Us section at the end of this policy. Likewise, we urge you to take every precaution to protect your personal data, both on and off the Internet.

We communicate our Privacy Policy to every FraudLock employee.

Opt Out from Further Marketing from FraudLock

You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes.

You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us as detailed in the Contact Us section at the end of this policy.

If you subscribe to our newsletter or consent to our promotional communications and then decide that you no longer wish to receive them, you may notify us of your preference regarding future communications by following the instructions included in each newsletter or communication or by contacting us as detailed in the Contact Us section at the end of this policy.

Bulletin Boards and Chat Rooms

From time to time we place testimonials on our web site from our members. We do this only after asking permission from the member providing the testimonial. It may be removed at any time at the request of the member. Should you choose to disclose personal information in a testimonial on our site, we are not responsible for the way third parties may use this information. Third parties may use your personal information for a variety of purposes, including unsolicited marketing and sales attempts.

Children's Privacy

The FraudLock web site is not intended for the use of children, defined as individuals under the age of 18. We do not knowingly solicit personal information from children or send them requests for non-public personal information.We therefore require any membership involving children to be taken out by an adult parent or guardian.

Access to your non-public personal information

The Data Protection Act 1998 gives you the right to access information held about you. If you wish to access information which we hold about you or if you would like to contact us about a related data protection matter please write to us at the address set out in the Contact Us section at the end of this policy. We are entitled to charge a small administrative fee to meet our costs in providing you with the information which we hold about you (currently £10).

Contact Us

If you have any questions or suggestions regarding our privacy policy, please contact us at: www.FraudLock.co.uk , by email at privacy@fraudlock.co.uk or by mail at: FraudLock Limited 51 Basford Rd Nottingham, England NG60JG