Privacy Statement

At Express Funding Solutions, we place great importance on the privacy of our Users and Subscribers and recognise the need to protect your personal data, received through this web site.

By registering to use the services and by using this site you agree to the use of the information as set out in this statement. If you have any questions in relation to the information we hold about you or our use of such information, please feel free to contact us at info@ef-solutions.co.uk

We may process personal data relating to you in the provision of our services pursuant to this Agreement. We are bound by the Data Protection Act 1998 ("the Act") as to what we may do with such data.

We may disclose information or data which is provided by you when using the website to other companies or organisations, carefully selected by us, who may send you information or offer you other services that may be of interest to you from time to time. If you do not want your information or data to be used or disclosed in this way please send an email to info@ef-solutions.co.uk

You have certain rights in respect of the data we hold relating to you. You are entitled, on payment of a fee, to a copy of the information we hold about you. Certain remedies may be available to you if that data is incorrect or if you suffer loss as a result of any breach by us of the Act.

In order to measure the use of our web site and make improvements to it information may be gathered on users' visits to the site. This involves logging domain names of visitors and any sites they may have been directed from. This information is aggregated for monitoring.

Please note that we may change this Privacy Policy from time to time so please check it regularly.

Privacy Policy

Express Funding Solutions is committed to providing you with the highest quality service. At the same time, we believe in maintaining your privacy and protecting your personal information. The following policy explains what we do with the personal information we collect about you. To get the best from our services, please keep your personal information (including your email address) accurate and up to date by visiting [ ] within the website or sending an email via the Contact Us facility on the website.

Please take the time to read this privacy policy carefully. By using the website, you consent to our use of your personal information in accordance with this Privacy Policy. We hope that by implementing and operating this policy, we will make your online experience a more secure and enjoyable one.

Contents

1. Why have a privacy policy?
2. What personal data do we collect about you and how?
3. How do we use your personal data?
4. Safeguarding your personal data
5. What are cookies and how do we use them?
6. Contacting Us.

1. Why have a privacy policy?

The Data Protection Act 1998 (the "Act") sets out a number of important laws regarding what organisations can and cannot do with information that identifies a living individual. This is known as "personal data." All organisations processing personal data must do so fairly and lawfully. They must also be registered or "notified" with the Information Commissioner whose role it is to ensure that organisations comply with their data processing obligations.

At Express Funding Solutions we treat our obligations under the Act seriously and take all steps necessary to comply when we store and process your personal data. If you wish, you can view a copy of our data protection notification by visiting the Information Commissioner´s website

2. What personal data do we collect about you and how?

It is essential to us to collect, store and process your personal data so that we can offer and perform our services. Some of the information we request is voluntary, and you do not have to provide it. Typical information we might ask for includes your name, your address and other contact details, bank account information. We may also store other personal data, including information from third parties, such as credit referencing agencies. In addition our servers automatically receive and record information on all visitors to our websites. Please see cookies (below) for more information.

We will only hold your personal data (aside from the automatic information detailed above) once you have been issued with a registered username and password, and your registration with our services has been completed

We collect your personal data in a number of different ways, including the below:

• if you provide it when communicating with us (for example when registering as a member.
• if you order any of our products or services.
• if you enter a competition or promotion.
• if you make payments or modify your account details; and
• when you visit our websites (for example by cookies and other browser-generated information)

3. How do we use your personal data?

We retain and use your personal data for the following main purposes:

• providing our services, contacting you and servicing our relationship with you.
• administration and accounting, billing and auditing and other legal purposes.
• security, payment verification, preventing and detecting money laundering, fraud and other crime, insurance, credit administration, tracing debtors and recovering debt. For these purposes, we may also pass on your personal data to third parties.
• generating statistics on our users, such as the popularity of certain of our services, about the "traffic" visiting our websites. When we do this, your data becomes anonymous and you are not personally identified; and
• personalising our website for you. (see cookies below)
• disclosing and passing-on to other companies within our group, some of which are located outside of the EEA.

If you "opted-in" by checking the box on the Application Form or writing to us at the address set out on the form, we, or our partners, may also use your personal data to contact you from time to time with news of other services or special offers or promotions which may be of interest to you. If you are contacted in this way, you will be given the opportunity to "opt-out" of future communications. If you would like to change your communication details, please visit Preference. Please remember that even if you did not "opt-in", we may still contact you about your existing account and services requested from us.

Naturally we reserve the right to access and disclose your personal data if we are required to do so by law (or if we reasonably believe we are required to do so by law), or if it is necessary for the proper operation of our systems, the protection of Spain 4 You or its users and customers.

Passing on information about you

Please note that when you use our website or our Services, you will be deemed as provided your consent to us disclosing your personal information to the following parties:

a. Third party providers whose products or services are listed on the pages of our website, for the purposes of obtaining a quotation for you.
b. Whole of Market Mortgage Advisers that provide additional products or services that you have requested or with your prior permission.

Safeguarding your personal data

We take all reasonable care in the collection, storage, processing and disclosure of your personal data and have implemented internal security procedures so as to minimise the risk that unauthorised parties will be able to access the information. It is because of these security procedures that we may ask for proof of your identity before we disclose any personal information about you. Only certain of our employees and contractors have access to your personal information and although we cannot guarantee that your information will never be lost, misused or altered by any of our employees, we have implemented guidelines to minimise the risk of these unlikely events.

Nonetheless, the Internet is an open medium and we cannot guarantee that any information you send to us by email or via our website will not be intercepted or tampered with. To help protect your personal data and minimise the risk of it being intercepted by unauthorised third parties, we offer you the use of a secure server and use the industry standard Secure Socket Layer (SSL) encryption when you submit information to us through our website. Some older browsers do not allow the use of SSL technology and we therefore recommend that you upgrade your browser to Netscape version 4.7 or higher, or Microsoft Internet Explorer browsers.

You can also help to protect your personal data, by following the guidelines below:

• choose a password that you will be able to remember but that would be hard for someone to guess. We recommend that you change it regularly and if you need to write it down, always keep it in a safe place.
• make sure that no-one can see the details you are entering when you log-in.
• if other people have access to your computer, remember to close your browser each time you log-off and end your session and, if possible, clear any history of the websites you have visited and that your browser may have saved or "cached"; and
• never disclose your account details to anyone.

What are cookies and how do we use them?

A cookie is a small "packet" of information that your browser automatically stores on your hard drive when you visit Internet sites. Our websites create a cookie when you visit us and these cookies are logged on our server. They also tell us, for example, what browser and Internet service provider you use, which helps us to ensure our services work well on your computer.

If you wish, you can usually configure your browser so that it does not accept cookies. If you do this, you will still be able to use most of the features on our web sites and it may therefore affect your use and enjoyment of our websites.

Please remember, cookies do not contain confidential information such as your home address, telephone number or credit card details. We do not exchange cookies with any third party websites or external data suppliers

On our website, you are able to save your login name so that it is automatically completed in the login box on subsequent visits. This facility is optional and will not store any of your personal information other than your login details.

Your browser also generates other information, including your language and your Internet Protocol address. An I.P. address is a set of numbers which is assigned to your computer during a browsing session whenever you log on to the Internet via your internet service provider or your network (if you surf from, for example, a computer at work). Your I.P. address is automatically logged by our servers and used to collect traffic data about visitors to our web sites. We do not use your I.P address to identify you personally.

Contacting Us

Please bear in mind that this privacy policy only applies to websites and services operated by expatinvestdirect.com and not those operated by third parties, including those to which our websites may link. We suggest that you make yourself familiar with any privacy policy operated by third party websites before providing personal information about yourself.

You are entitled to a copy of the personal information we hold about you on payment of a small administration fee. If you would like to see this information, please write to the address below

If you have any queries about this privacy policy, any of the Terms and Conditions or the web site in general, do not hesitate to contact us: info@ef-solutions.co.uk

30 Montgomery Way

Manchester

M26 3TG

Telephone 0161 723 0987

e-mail: smd@ef-solutions.co.uk