Privacy Policy

Privacy Policy

Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd collects information provided by users of the site in a database that Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd uses to generate follow-up messages for Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd use only, and to generate statistical reports concerning users of our site for Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd use only. Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd does not sell the information contained in the database of information collected from users to any third party and does not currently make any other use of such information.

Information Collection and Use:

We are the sole owner of the information collected on this site. We will not sell, share, or rent this information to others.

When we provide services, we want to make them easy, useful and reliable. Where services are delivered on the internet, this sometimes involves placing small amounts of information on your device, for example, computer or mobile phone. These include small files known as cookies. They cannot be used to identify you personally.

What are cookies?

These pieces of information are used to improve services for you through, for example:

  • enabling a service to recognise your device so you don’t have to give the same information several times during one task
  • recognising that you may already have given a username and password so you don’t need to do it for every web page requested
  • measuring how many people are using services, so they can be made easier to use and there’s enough capacity to ensure they are fast
  • analysing anonymised data to help us understand how people interact with govt services so we can make them better

You can manage these small files and learn more about them here All About Cookies.org. There’s also further information on how to remove cookies at About Cookies: how to control cookies.

First-party cookies (cookies set by us)

These are cookies set by our web domain known as ‘first-party’ cookies. Some are necessary to the functionality of the site, others provide information to us that we analyse to monitor and improve the site. These first-party cookies do not store or collect any personal information or anything that make you personally identifiable to us. Typically, the cookies generate a random, unique number to store information about a user.

Cookies for measuring website usage

Google Analytics cookies: _utma, _utmb, _utmc, _utmv, _utmd,_utmz
  • Purpose: to record how many people are using the website and how they move around the site once they’ve arrived. Google’s privacy policy
  • Data stored by cookies:
    • _utma stores each user’s number of visits, time of the first visit, the previous visit and the current visit
    • _utmb and _utmc checks how long a visitor stays on the site: when a visit starts and ends
    • _utmz tracks where a visitor came from (search engine, search keyword, link)
    • _utmv and _utmd track visitor journeys through the site and classifies them into groups
  • Duration of cookies:
    • _utma expires two years after your last visit to this site
    • _utmb expires 30 minutes after your visit, or after 30 minutes of inactivity
    • _utmc expires at the end of a session (when you close your browser)
    • _utmz expires six months after it was last set
    • _utmv (not set) expires immediately
    • _utmd (not set) expires immediately
  • Where it is used: all pages of our website

How to control and delete cookies

We will not use cookies to collect personally identifiable information about you. However, if you wish to restrict or block the cookies which are set by our websites, or indeed any other website, you can do this through your browser settings. The ‘Help’ function within your browser should tell you how.

Alternatively, you may wish to visit the About Cookies website, which contains comprehensive information on how to do this on a wide variety of browsers. You will also find details on how to delete cookies from your machine as well as more general information about cookies.

Please be aware that restricting cookies may have an impact upon the functionality of our website.

If you wish to view your cookie code, just click on a cookie to open it. You’ll see a short string of text and numbers. The numbers are your identification card, which can only be seen by the server that gave you the cookie.

For information on how to do this on the browser of your mobile phone you will need to refer to your handset manual. To opt-out of third-parties collecting any data regarding your interaction on our website, please refer to their websites for further information.

Terms of Use

Thank you for visiting our Web site. Access to and use of this Internet Web site (referred to as this “Site”) is governed by the terms and conditions set forth below, as well as any applicable laws, statutes, ordinances and regulations. By browsing, visiting or otherwise accessing or using this Site, you agree to abide by the terms and conditions set forth below. As used in this Site, the term “Radcliffe & Co” is intended to include Radcliffe & Co and their respective divisions, subsidiaries and affiliated companies.

Copyright Notice

This Site is protected by the copyright laws of the United Kingdom, and may be protected by the copyright laws of other countries and jurisdictions as well. Except as specifically permitted in accordance with the terms and conditions governing use of this Site, any copy, other reproduction, display, performance or retransmission of all or any of the contents of this Site is strictly prohibited. All rights reserved. Please see the section below entitled “Notice Concerning the Use of Documents, Images and Information on this Site.”

Use This Site at Your Own Risk

Every user who visits this Site does so at her or his own risk. Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd makes no representations or warranties of any kind as to (a) the accuracy or completeness of the information or materials contained in this Site, and assumes no responsibility for any errors or omissions in the contents of this Site (which may include factual or typographical errors and/or technical inaccuracies); (b) the availability for use of any copyrighted, trademark or otherwise proprietary materials of third parties which may appear in this Site; (c) the presence or absence of computer viruses or other bugs which third parties may embed in or attach to this Site without Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd knowledge or consent; (d) any software made available for downloading, copying or other use through this Site; or (e) the merchantability, fitness for use, title and/or non-infringement of any or all of the contents of this Site.

Regarding communications with Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd through this Site, Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd makes no representation or warranty concerning the security of any data transmitted to Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd, including information relating to potential employment or applications therefor, or any other matter. Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd shall treat any data or information transmitted to Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd through this Site as non-confidential and non-proprietary. Neither Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd nor any other party involved in the creation, production or delivery of this Site, or whose materials or information appear in this Site assumes or accepts any liability, regardless of whether based on contract, negligence, intentional wrongdoing or liability without fault, for any costs, losses, damages (whether direct, indirect, compensatory, special, lost profits, liquidated, consequential or punitive), arising out of or in any way in connection with the user’s access to, browsing of or use of this Site or any of the contents of this Site, without regard to the source of such contents, or with the unavailability or failure of performance of this Site for any reason.

Software

Any software made available for downloading, copying or use through this Site is proprietary to the individual or entity making such software available. Downloading, copying or other use of such software is subject to the terms and conditions of the software licensing agreement relating to such software.

Notice Concerning the Use of Documents, Images and Information on This Site. Documents, Images and Information Proprietary to Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd

Documents, images and information proprietary to Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd, including the contents of descriptions of Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd businesses, biographical descriptions of its representatives and personnel, press releases and other public notices, together with any associated graphic elements (collectively referred to as “Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd Materials”), may be copied, reproduced, downloaded or otherwise used provided the following terms are adhered to strictly: Copyright notice in the form “© 2002 Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd. Used With Permission. All Rights Reserved.” must appear in every copy or reproduction of such Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd Materials. The Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd Materials may be used solely for non-commercial purposes such as informational, entertainment and personal use, and shall not be further copied, uploaded to any network, intranet or Internet, rebroadcast or retransmitted, or otherwise disseminated in any medium without the express written permission of Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd. The Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd Materials may only be used in their entirety, without alteration, editing, condensation or editorial comment, and any graphical elements contained in the Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd Materials may not be used separately from the other elements with which they are associated. The Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd Materials shall not be used to ridicule, disparage, harass or annoy any client of Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd. No other use of Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd Materials shall be permitted. The Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd Materials available for use as set forth above do not include the design, layout, arrangement or distinctive elements of this Site, or of any other Internet Web site maintained by Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd or its divisions, subsidiaries or affiliated companies.

Documents, Images, Information and Other Materials Proprietary to Others

The contents of this Site may from time to time contain documents, images, information and other materials not proprietary to Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd, such as photographs, clip art, film clips, musical passages, audio track or sound effect elements, or the names, tradenames, trademarks, logos or designations of third parties (including present and past clients of Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd or its featured personnel). All such materials will be referred to as “Non-Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd Materials.” Non-Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd Materials may also include from time to time articles, data, information, images, artwork, graphics, music, audio or other elements published in newspapers, magazines or other media or venues, and may include the name, tradename or trademark of the medium or venue in which such materials were published. Any use whatsoever of any Non-Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd Materials is strictly prohibited unless the prior written permission of the appropriate third parties has been secured.

Links

For the convenience of users of this Site, one or more links to other Internet Web sites may appear from time to time. Except for Internet Web sites maintained by divisions, subsidiaries or affiliated companies of Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd, the Internet Web sites to which links are provided in this Site are not under the control of Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd. Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd assumes no responsibility for the contents of any non-RRadcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd-linked Internet Web site, or for any potential damage arising out of or in connection with the use of any such link. In addition, the existence of a link between this Site and any other Internet Web site is not and shall not be understood to be an endorsement by Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd of the owner or proprietor of the linked Internet Web site, nor an endorsement of Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd by the owner or proprietor of such linked Web site.

Unsolicited Materials

Please note that it is a policy of Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd not to accept or consider unsolicited creative, production-related or other materials of any kind. Radcliffe & Co Life & Pensions & Radcliffe & Co Mortgages Ltd will consider any and all materials, including proposals, ideas, concepts, drafts, rough cuts or finished work product submitted through this Site, not to be confidential or proprietary and to be freely available for use without compensation or payment of any kind.



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