PRIVACY POLICY

1. Introduction and General Terms

Market Voice Ltd (MV) is committed to protecting your personal information when you are using MV services. We want our services to be safe and enjoyable environments for our audience. This Privacy Policy relates to our use of any personal information you provide to us through MV websites.
 
In order to provide you with the full range of MV services, we are sometimes required to collect information about you.
 
This privacy policy explains the following:
 
·          what information MV may collect about you;
·          how MV will use information we collect about you;
·          when MV may use your details to contact you;
·          whether MV will disclose your details to anyone else;
·          your choices regarding the personal information you have provided to us;
·          the use of cookies on MV websites
 
As set out above, MV is committed to safeguarding your personal information. Whenever you provide such information, we are legally obliged to use your information in line with all laws concerning the protection of personal information, including the Data Protection Act 1998 (these laws are referred to collectively in this Privacy Policy as the "data protection laws").
 
The websites contains hyperlinks to websites owned and operated by third parties. These third party websites have their own privacy policies, including cookies, and we urge you to review them. They will govern the use of personal information you submit or are collected by cookies whilst visiting these websites. We do not accept any responsibility or liability for the privacy practices of such third party websites and your use of such websites is at your own risk.
 
2. What information will MV collect about me?
 
When you sign up to participate in or receive a service from any MV website, such as newsletters, competitions, live chats, message boards or register with the single universal online registration system used across different parts of MV’s websites called "One Sign-On", we may ask for personal information about you. This can consist of information such as your name, e mail address, postal address, telephone or mobile number or date of birth. Different webpages may ask for different personal information.
 
By entering your details in the fields requested, you enable MV and its service providers to provide you with the services you select.
 
MV also uses cookies and collects IP addresses (an IP address is a number that can uniquely identify a specific computer or other network device on the internet). We use analysis software to look at IP addresses and cookies for the purpose of enhancing your user experience. This information is not used to develop a personal profile of you and the log files are regularly purged.
 
3. How will MV use the information they collect about me?
 
MV will use your personal information for a number of purposes including the following:
 
·          for "service administration purposes", which means that MV may contact you for reasons related to the service you have signed up for, as set out in paragraph 4 below (e.g. to provide you with password reminders or to notify you that a particular service has been suspended for maintenance);
·          to contact you about a submission you have made to the websites, including any content you provide.
·          to personalise the way MV content is presented to you (e.g. if we notice that the first thing you look at every day is the weather for London, then we may present this information or a link to it on your homepage);
·          IP addresses are used to identify the location of users, the number of visits from different countries and also to block disruptive use; and
·          to analyse and improve the services offered on MV websites. E.g. to provide you with the most user-friendly navigation experience. Where MV proposes using your personal information for any other uses we will ensure that we notify you first. You will also be given the opportunity to withhold or withdraw your consent for your use other than as listed above. 
 
4. When will MV contact me?
 
MV may contact you:
 
·          in relation to the functioning of any service you have signed up for in order to ensure that MV can deliver the services to you;
·          where you have opted to receive further correspondence;
·          in relation to any contribution you have made to a MV website, e.g. on message boards;
·          to invite you to participate in surveys about MV’s services (participation is always voluntary); and
·          for marketing purposes where you have specifically agreed to this (see paragraph 5 below)
 
Local pages will give you detailed information about how MV will contact you in relation to specific services.
 
5. Will I be contacted for marketing purposes?
 
MV won't contact you for marketing purposes, or promote new services to you unless you specifically agree to be contacted for these purposes.

6. Will MV share my personal information with anyone else?

We will keep your information confidential except where disclosure is required or permitted by law (for example to government bodies and law enforcement agencies) or as described in paragraph 7 below. Generally, we will only use your information within MV. However, sometimes MV uses third parties to process your information. MV will require these third parties to comply strictly with its instructions and MV will require that they do not use your personal information for their own business purposes. 
 
7. Offensive or inappropriate content on MV websites
 
If you post or send offensive, inappropriate or objectionable content anywhere on or to MV websites, or otherwise engage in any disruptive behaviour on MV websites, MV may use your personal information to stop such behaviour.
 
Where MV reasonably believes that you are or may be in breach of any of the laws of England or Wales (e.g. because content you have posted may be defamatory), MV may use your personal information to inform relevant third parties such as your employer, school e-mail/Internet provider or law enforcement agencies about the content and your behaviour.
 
8. What if I am a user aged 16 or under?
 
If you are aged 16 or under, please get your parent/guardian's permission beforehand whenever you provide personal information to MV’s websites. Users without this consent are not allowed to provide us with personal information. 
 
9. How long will MV keep my personal information? 
 
We will hold your personal information on our systems for as long as is necessary for the relevant service, or as long as is set out in any relevant contract you hold with MV. In the case that you wish to cancel your registration as a MV online member, once an account is deleted a red flag goes on the database and, while people cannot use the personal information, it stays on the system for a period of one year for administration purposes before being deleted automatically.
 
Where you contribute to MV websites, MV will generally only keep your content for as long as is reasonably required for the purpose(s) for which it was submitted.
 
10. Can I find out what personal information MV holds about me?
 
Under the Data Protection Act you have the right to request a copy of the personal information MV holds about you and to have any inaccuracies corrected. (We charge £10 for information requests and will require you to prove your identity with 2 pieces of approved photographic identification.) We will use reasonable efforts to supply, correct or delete personal information about you on our files.
 
11. What if I am accessing MV websites outside the UK?
 
MV websites are published in the UK by MV. For international users accessing the site from outside the UK, all personal information submitted by you to the site goes directly to MV and will be processed in accordance with this Privacy Policy (and any local terms that apply on websites) unless terms on sites specify otherwise.
 
12. Changes to MV’s Privacy Policy
 
This privacy policy may be updated from time to time so you may wish to check it each time you submit personal information to any MV website. The date of the most recent revisions will appear on this page.
 
13. Cookies Policy -Information MV collects from you
 
a. What is a cookie?
 
A cookie is a small amount of data, which often includes a unique identifier that is sent to your computer or mobile phone (referred to here as a "device") browser from a website's computer and is stored on your device's hard drive. Each website can send its own cookie to your browser if your browser's preferences allow it, but (to protect your privacy) your browser only permits a website to access the cookies it has already sent to you, not the cookies sent to you by other sites. Many sites do this whenever a user visits their website in order to track online traffic flows.
 
Cookies record information about your online preferences and allow us to tailor the websites to your interests. Users have the opportunity to set their devices to accept all cookies, to notify them when a cookie is issued, or not to receive cookies at any time. The last of these means that certain personalised services cannot then be provided to that user and accordingly you may not be able to take full advantage of all of MV website features. Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences.
 
During the course of any visit to a MV website, the pages you see, along with a cookie, are downloaded to your device. Many websites do this, because cookies enable website publishers to do useful things like find out whether the device (and probably its user) has visited the website before. This is done on a repeat visit by checking to see, and finding, the cookie left there on the last visit.
 
b. How does MV use cookies?
 
Information supplied by cookies can help us to analyse the profile of our visitors and help us to provide you with a better user experience. For example: if on a previous visit you went to our pensions pages, we might find this out from your cookie and highlight pensions information on your second and subsequent visits.

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