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Before using the Website it
is your responsibility to read the Privacy Policy and
to notify us in the manner set out in the Privacy Policy
if you do not want us to collect information about you.
By accessing and using the Website you are agreeing to
be legally bound by the Terms
and Conditions and this Privacy Policy. You should
therefore also read the Terms of Use before using the
Website. |
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The Operator is committed to
protecting your privacy. It is very important to us that
you should be able to use the Website without having to
compromise your privacy in any way. |
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To ensure that our Website
service is continually improved it is necessary to know
something about our users. We need to establish an accurate
picture of the needs and wishes of our users and to be
able to communicate with you. This will enable the Website
to continue to offer a service that is relevant and interactive. |
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We will not pass on any specific
information about any individual user (including your
e-mail address) unless we have your prior permission.
We will only share aggregate data about our users, traffic
patterns and sales with our advertisers and trading partners
with whom we have an association. |
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What information do we collect?
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We automatically collect some data
about our users' browsing actions and traffic patterns.
This is aggregate data that does not identify any individual
and will list which of the Website pages are most frequently
visited and by which types of users. |
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We may also ask you to provide information
on a voluntary basis in order to get a clearer picture
of our users. It is then entirely up to you whether you
are happy to give us this information. |
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In the course of asking us for information
to provide annuity
quotes or to purchase an Actuarial Report you will be asked to provide some details about
yourself and your partner. You may also choose to e-mail
us or make contact with us in other ways. Such contact
gives us information about you. |
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We may collect more specific information
about some of our users. This may include your name, e-mail
address, marital status, the address where you live, a
contact telephone number, details about your or your partners
pension arrangements or details about your or your partners
health and medical conditions. |
Why do we collect aggregate data?
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We use aggregate data where no individual
is identifiable to help us improve our understanding of
our users and their information preference. We use this
to assist us in arranging relevant advertising and commercial
opportunities as well as ensuring improved editorial content.
This also helps us to develop the Website and determine
its use. |
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We want to be able to direct your attention
to editorial content and commercial opportunities that
may be of interest to you. |
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We want to share the data with advertisers,
trading partners and other commercial entities with whom
we have or may have an association. We may also share
data that they obtain about their users, which may include
you. |
Why do we collect specific information?
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We use specific information about your
preferences for annuity income or health and medical conditions
where you are requesting information for an impaired life
annuity, to provide you with annuity
quotes. |
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We use specific information that you
are happy to give to us in order to provide you with an Actuarial Report application form. |
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With your prior consent we want to
share information with a partner authorised firm or partner actuary firm with whom
we have or may have an association. We may also share
specific information they obtain about their users, which
may include you. |
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With your consent we want to share
information you provide for an annuity quote with partner
authorised firms, product providers and their underwriters
in order to secure the most competitive annuity rates
for you at that time. |
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With your consent we want to share
information you provide for an Actuarial Report with a partner
actuary firm,
in order to provide you with a fair valuation of a defined benefit (final salary) scheme. |
Will information be disclosed to third parties?
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By submitting your personal
specific information to sharingpensions.co.uk, you give
the Operator permission to share the information with a
partner authorised firm, partner actuary firm or carefully chosen, reputable
and trustworthy third parties that are qualified to complete
your enquiry on our behalf. We do this to secure the highest
quality products or advice, provide the highest level
of service, improve response times to your enquiry; |
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By submitting your personal
specific information to sharingpensions.co.uk, you give
us and a partner authorised firm or partner actuary firm permission to contact
you by email, telephone or post to clarify or ask further
questions in relation to your enquiry; |
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The Operator may provide aggregate data
about users, traffic patterns and related site information
to reputable third parties but this data will include
no personally identifying information. The Operator complies
with all relevant legal requirements and takes all reasonable
care to ensure that your information is secure and private
and is only seen by responsible third parties. However,
we cannot be held responsible for the actions of any third
party who receives or obtains access to the information,
nor for any breach of security. |
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If you tell us that you do not want
us to use specific information about you, then information
about your use of the Website would then only form part
of aggregated data and would not be related to you as
an individual. |
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You can ask to see information
we have about you by e-mailing to pensions@sharingpensions.co.uk. |
Cookies
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In common with many other website operators,
we may use standard technology called 'cookies' on this
website. Cookies are small pieces of information that
are stored by your browser on your computer's hard drive
and they are used to record how you navigate this website
on each visit. |
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Our cookies are used to enable us to
develop our website to reflect our customers interests
and by noting who has seen which pages and advertisements,
how frequently particular pages are visited and determining
the most popular areas of our website. |
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We may use cookies to enhance your
experience of using the website by allowing us to tailor
what you see to what we have learned about your preferences
during your visits to the site. |
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Most browsers automatically accept
cookies, but you can usually change your browser to prevent
cookies being stored. Please note, if you do turn cookies
off this will limit the service that we are able to provide
to you and may affect your visitor experience. |
What can I do if I am not happy to share information about
myself with third parties?
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If you do not wish us to share specific
information about you with third parties or use your details
in other ways described in this Privacy Policy, you can
e-mail us at pensions@sharingpensions.co.uk
at any time and tell us of any objections you may have
about how we use or disclose your details. |
What if the Privacy Policy is changed in the future?
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All changes to the Website policy will
be posted on the Privacy Policy page. |
Legal disclaimer
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Though we make every effort to preserve
your privacy, we may need to disclose personal information
when required by law wherein we have a good-faith belief
that such action is necessary to comply with a current
judicial proceeding, a court order or legal process served
on our Website. |
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