BACKGROUND:

Vero Cover Limited understands that your privacy is important to you and that you care about how your personal data is used and shared online. We respect and value the privacy of everyone who visits this website, http://www.debtcrunch.co.uk (“Our Site”) and will only collect and use personal data in ways that are described here, and in a manner that is consistent with our obligations and your rights under the law.

Please read this Privacy Policy carefully and ensure that you understand it. Your acceptance of Our Privacy Policy is deemed to occur upon your first use of Our Site. If you do not accept and agree with this Privacy Policy, you must stop using Our Site immediately.

1. Definitions and Interpretation
   
   In this Policy the following terms shall have the following meanings: 

2. Information About Us
   • Our Site is owned and operated by Vero Cover Limited , a limited company registered in Gibraltar under company number 112164, whose registered address is Suite 2B, Icom House, Irish Street, Gibraltar GX11 1AA
   • Our Data Protection Officer is Paul Crudgington, and can be contacted by email  by telephone on  or by post at Suite 2B, Icom House, Irish Street, Gibraltar GX11 1AA.
   • We are regulated by Gibraltan Regulatory Authority.

3. What Does This Policy Cover?
   
   This Privacy Policy applies only to your use of Our Site. Our Site may contain links to other websites. Please note that we have no control over how your data is collected, stored, or used by other websites and we advise you to check the privacy policies of any such websites before providing any data to them.

4. Your Rights
   • As a data subject, you have the following rights under the GDPR, which this Policy and Our use of personal data have been designed to uphold:
     • The right to be informed about Our collection and use of personal data;
     • The right of access to the personal data We hold about you (see section 12);
     • The right to rectification if any personal data We hold about you is inaccurate or incomplete (please contact Us using the details in section 14);
     • The right to be forgotten – i.e. the right to ask Us to delete any personal data We hold about you (We only hold your personal data for a limited time, as explained in section 6 but if you would like Us to delete it sooner, please contact Us using the details in section 14);
     • The right to restrict (i.e. prevent) the processing of your personal data;
     • The right to data portability (obtaining a copy of your personal data to re-use with another service or organisation);
     • The right to object to Us using your personal data for particular purposes; and
     • Rights with respect to automated decision making and profiling.
   • If you have any cause for complaint about our use of your personal data, please contact us using the details provided in section 14 and we will do our best to solve the problem for you. If we are unable to help, you also have the right to lodge a complaint with the UK’s supervisory authority, the Information Commissioner’s Office.
   • For further information about your rights, please contact the Information Commissioner’s Office or your local Citizens Advice Bureau.

5. What Data Do We Collect?
   
   Depending upon your use of Our Site, We may collect some or all of the following personal and non-personal data (please also see section 13 on our use of Cookies and similar technologies and Our Cookie Policy http://www.debtcrunch.co.uk/privacy-policy):

• name;
• date of birth;
• contact information such as email addresses and telephone numbers;
• demographic information such as post code
• IP address;
• web browser type and version;
• operating system;
• a list of URLs starting with a referring site, your activity on Our Site, and the site you exit to;

6. How Do We Use Your Data?
   • All personal data is processed and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. We will comply with our obligations and safeguard your rights under the Data Protection Act 2004 and GDPR at all times. For more details on security see section 7, below.
   • Our use of your personal data will always have a lawful basis, either because it is necessary for our performance of a contract with you, because you have consented to our use of your personal data (e.g. by subscribing to emails), or because it is in our legitimate interests. Specifically, We may use your data for the following purposes:
     • Supplying Our services to you (please note that We require your personal data in order to enter into a contract with you);
     • Personalising and tailoring Our services for you;
     • Replying to emails from you;
     • Analysing your use of Our Site and gathering feedback to enable Us to continually improve Our Site and your user experience;
   • With your permission and/or where permitted by law, we may also use your data for marketing purposes which may include contacting you by email or telephone with information, news and offers on services. We will not, however, send you any unsolicited marketing or spam and will take all reasonable steps to ensure that we fully protect your rights and comply with our obligations under the Data Protection Act 2004 or GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003.
   • You have the right to withdraw your consent to us using your personal data at any time, and to request that we delete it.
   • We do not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Data will therefore be retained for the following periods (or its retention will be determined on the following bases):
     • 96 Months from the date of the last submission of data

7. How and Where Do We Store Your Data?
   • We only keep your personal data for as long as we need to in order to use it as described above in section 6, and/or for as long as we have your permission to keep it.
   • Your data will only be stored within the European Economic Area (“the EEA”) (The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein).
   • Data security is very important to us, and to protect your data we have taken suitable measures to safeguard and secure data collected through Our Site. Steps We take to secure and protect your data include:
     • PCI Compliant Data Scans Run at regular intervals
     • ISO 27001 Accredited Data Centre.

8. Do We Share Your Data?
   • We may sometimes contract with third parties to supply products and services to you. These may include payment processing, provision of services, search engine facilities and marketing. In some cases, the third parties may require access to some or all of your data. Where any of your data is required for such a purpose, we will take all reasonable steps to ensure that your data will be handled safely, securely, and in accordance with your rights, our obligations, and the obligations of the third party under the law.
   • We may compile statistics about the use of Our Site including data on traffic, usage patterns, user numbers, sales, and other information. All such data will be anonymised and will not include any personally identifying data, or any anonymised data that can be combined with other data and used to identify you. We may from time to time share such data with third parties such as prospective investors, affiliates, partners, and advertisers. Data will only be shared and used within the bounds of the law.
   • In certain circumstances, we may be legally required to share certain data held by us, which may include your personal data, for example, where we are involved in legal proceedings, where we are complying with legal requirements, a court order, or a governmental authority.
     
     
9. What Happens If Our Business Changes Hands?
   • We may, from time to time, expand or reduce our business and this may involve the sale and/or the transfer of control of all or part of our business. Any personal data that you have provided will, where it is relevant to any part of Our business that is being transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Privacy Policy, be permitted to use that data only for the same purposes for which it was originally collected by Us.
   • In the event that any of your data is to be transferred in such a manner, you will not be contacted in advance and informed of the changes.
     
     
10. How Can You Control Your Data?
    • In addition to your rights under the GDPR, set out in section 4, when you submit personal data via Our Site, you may be given options to restrict our use of your data. In particular, we aim to give you strong controls on our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from us which you may do by unsubscribing using the links provided in our emails and at the point of providing your details.
    • You may also wish to sign up to one or more of the preference services operating in the UK: The Telephone Preference Service (“the TPS”), the Corporate Telephone Preference Service (“the CTPS”), and the Mailing Preference Service (“the MPS”). These may help to prevent you receiving unsolicited marketing. Please note, however, that these services will not prevent you from receiving marketing communications that you have consented to receiving.

11. Your Right to Withhold Information
    • You may access certain areas of Our Site without providing any data at all. However, to use all features and functions available on Our Site you may be required to submit or allow for the collection of certain data.
    • You may restrict our use of Cookies. For more information, see section 13 and Our Cookie Policy.

12. How Can You Access Your Data?
    
    You have the right to ask for a copy of any of your personal data held by us (where such data is held). Under the Data Protection Act 2004, and the GDPR, no fee is payable and we will provide any and all information in response to your request free of charge. Please contact us for more details at  or using the contact details below in section 14.

13. Our Use of Cookies

    • Our Site may place and access certain first party Cookies on your computer or device. First party Cookies are those placed directly by us and are used only by us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve our services. We have carefully chosen these Cookies and have taken steps to ensure that your privacy and personal data is protected and respected at all times.
    • All Cookies used by and on Our Site are used in accordance with current Cookie Law.
    • Before Cookies are placed on your computer or device, you will be shown a pop requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of Our Site may not function fully or as intended. You will be given the opportunity to block third party Cookies.
    • Certain features of Our Site depend on Cookies to function. Cookie Law deems these Cookies to be “strictly necessary”. These Cookies are shown below in section 13.5. Your consent will not be sought to place these Cookies, but it is still important that you are aware of them. You may still block these Cookies by changing your internet browser’s settings as detailed below in section 13.9, but please be aware that Our Site may not work properly if you do so. We have taken great care to ensure that your privacy is not at risk by allowing them.
    • No first party cookies will be placed on your computer or device
    • Our Site uses analytics services provided by Google. Website analytics refers to a set of tools used to collect and analyse anonymous usage information, enabling us to better understand how our Site is used. This, in turn, enables us to improve our Site and the products and services offered through it. You do not have to allow Us to use these Cookies, however whilst our use of them does not pose any risk to your privacy or your safe use of our Site, it does enable Us to continually improve our site, making it a better and more useful experience for you.
    • The analytics service(s) used by our site use(s) Cookies to gather the required information.
    • The analytics service(s) used by our site use(s) the following Cookies:
      
      

• In addition to the controls that we provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all cookies or only third party cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.
• You can choose to delete Cookies on your computer or device at any time, however you may lose any information that enables you to access Our Site more quickly and efficiently including, but not limited to, login and personalisation settings.
• It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.

14. Contacting Us
    
    If you have any questions about Our Site or this Privacy Policy, please contact us by email at  by telephone on  or by post at Suite 2B, Icom House, Irish Street, Gibraltar GX11 1AA. Please ensure that your query is clear, particularly if it is a request for information about the data we hold about you (as under section 12, above).

15. Changes to Our Privacy Policy
    
    We may change this Privacy Policy from time to time (for example, if the law changes). Any changes will be immediately posted on Our Site and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Our Site following the alterations. We recommend that you check this page regularly to keep up-to-date.

Terms and Conditions for Use

These Terms and Conditions were last updated on 29/04/2016 

1. Introduction
   • These Terms & Conditions set out the terms between you the user and us the website owner.
   • Your use of this website and any service contained within constitutes acceptance of these Terms & Conditions in full.
   • You should not use this website if you do not accept with these Terms & Conditions in full. 

2. Customer Information
   • You should always check that the contact information you provide is correct before submitting information to us.
   • Our website is only intended for use by adults.

3. Privacy

We take your privacy seriously. We are registered under and comply with the Data Protection Act 2004. For further details please see our Privacy Policy. 

4. Customer Complaints

We endeavour to respond to all complaints or queries within five working days. 

5. Events outside our control

We shall not be liable for delay or failure to perform any obligation under these Terms & Conditions if the delay or failure is caused by any circumstances beyond our reasonable control, including, but not limited to, acts of god, war, civil disorder or industrial dispute

6. Licence
   • We grant you a licence to access the content, information and services contained within our website for personal use only.
   • This licence allows you to download and cache (using your browser) individual pages from our website.
   • This licence does not allow you to download and modify individual pages or substantial parts of our website nor to make our website available via an intranet, where our website or a substantial part of it is hosted locally on the intranet in question.
   • Our website design, layout, content or text cannot be copied, edited or otherwise manipulated without our express prior written permission.
   • Our website cannot be placed within the frame-set of another site.
   • Third parties are not allowed to “deep link” to pages within our website, without our express prior written permission. All links (unless expressly permitted by us) should be to the main index page of our website. Furthermore, the content of such links, whether graphic or text should not be misleading, false, derogatory or in any other way offensive.
   • The restriction on “deep linking” does not apply to affiliate partners or other partners who wish to send users directly to a particular section or page. 

7. Copyright
   • All content, databases, graphics, buttons, icons, logos, layouts and look & feel are our copyright, unless expressly acknowledged as otherwise.
   • The data mining, extraction or utilisation of product information from our website is not permitted without our express prior written permission. 

8. User Generated Content
   • Where the facility exists you may provide reviews or public feedback on the website, also known as user-generated content.
   • Where the facility exists such user-generated content can be provided in different formats and mediums; text, audio, video and still photographs.
   • As part of providing this content to us you agree to grant us a worldwide, irrevocable, non-exclusive and royalty-free license to use, distribute, edit, translate and repurpose such content, as we require, including sub-licensing to other parties.
   • Such content shall not infringe the intellectual property rights of any other party. Furthermore the content shall not be illegal or capable of breaching the laws of any jurisdiction in which it may be displayed.
   • We reserve the right to remove any content, which breaches or risks breaching these Terms and Conditions.
   • However, we shall not assume any responsibility for auditing or monitoring any user generated content.
   • Any complaints about such content by rights holders or any user or visitor to our website should be directed to us using our contact details listed at the end of these terms and conditions. 

9. Limitations and Exclusions of Liability
   • Where content and information is provided on the website without charge we exclude all liability for such content and information. 
   • All business losses (including, but not limited to) loss of profits, income, revenue, damage to goodwill, loss of other commercial contracts, other commercial opportunities are all excluded.
   • All indirect, consequential or special losses or damage are all excluded.
   • All other losses or damages not reasonably foreseeable at the time of the contract between you and us are also excluded.
   • All losses relating to the loss or corruption of data, databases, systems, software or hardware are all excluded.
   • These Terms and Conditions do not exclude or limit liability for death or personal injury caused by you or us.
   • These Terms and Conditions do not exclude or limit liability for fraud or fraudulent misrepresentation caused by you or us.
   • These Terms and Conditions do not exclude or limit liability where this conflicts with the applicable law for this jurisdiction. 

10. Indemnity

By your use of our website you hereby indemnify us and undertake to keep us indemnified at all times now and in the future against all possible claims relating to any breach of these terms and conditions by you. Such indemnities to include, (but not be limited to) all costs legal and otherwise, all other expenses, damages or settlements arising from your breach of these Terms and Conditions. 

11. Variation

We reserve the right to vary these Terms and Conditions at any time, without giving notice to you. Such varied terms and conditions shall automatically apply to the use of our website from the date of publication on our website. 

12. Assignment

We reserve the right to assign our rights and also our obligations under these Terms and Conditions, without giving notice to you. This right of assignment shall only apply to us and shall not apply to you in any way. 

13. Severability

The foregoing paragraphs, sub-paragraphs and clauses of these Terms & Conditions shall be read and construed independently of each other. Should any part of this agreement or its paragraphs, sub-paragraphs or clauses be found invalid it shall not affect the remaining paragraphs, sub-paragraphs and clauses. 

14. Waiver

Failure by us to enforce any accrued rights under these terms & conditions is not to be taken as or deemed to be a waiver of those rights by us unless we acknowledge the waiver in writing. 

15. Third Parties

These Terms and Conditions are between you and us. They do not apply to, or benefit any third party and are not reliant on any third party. 

16. Entire Terms & Conditions

These Terms and Conditions set out the entire agreement and understanding between you and us. 

17. The Consumer Rights Act 2015

These Terms & Conditions are specifically written in accordance with the Consumer Rights Act 2015. Should these Terms & Conditions conflict with the Act, the Consumer Rights Act 2015 shall prevail and apply. 

18. Your Statutory Rights

Where acting as a consumer your statutory rights are unaffected.  

19. Jurisdiction

These Terms and Conditions shall be interpreted, construed and enforced in accordance with English law and shall be subject to the exclusive jurisdiction of the English Courts.

Our contact details are as follows:

Email: [email protected]