Upfront Financial Services is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the Upfront Financial Services Web site and governs data collection and usage. By using the Upfront Financial Services website, you consent to the data practices described in this statement.

Collection of your Personal Information

Upfront Financial Services collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number. Upfront Financial Services also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by Upfront Financial Services. This information can include: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by Upfront Financial Services for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Upfront Financial Services Web site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Upfront Financial Services public message boards, this information may be collected and used by others. Note: Upfront Financial Services does not read any of your private online communications.

Upfront Financial Services encourages you to review the privacy statements of Web sites you choose to link to from Upfront Financial Services so that you can understand how those Web sites collect, use and share your information. Upfront Financial Services is not responsible for the privacy statements or other content on Web sites outside of the Upfront Financial Services and Upfront Financial Services family of Web sites.

Use of your Personal Information

Upfront Financial Services collects and uses your personal information to operate the Upfront Financial Services Web site and deliver the services you have requested. Upfront Financial Services also uses your personally identifiable information to inform you of other products or services available from Upfront Financial Services and its affiliates. Upfront Financial Services may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Upfront Financial Services does not sell, rent or lease its customer lists to third parties. Upfront Financial Services may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, Upfront Financial Services may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Upfront Financial Services, and they are required to maintain the confidentiality of your information.

Upfront Financial Services does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

Upfront Financial Services keeps track of the Web sites and pages our customers visit within Upfront Financial Services, in order to determine what Upfront Financial Services services are the most popular. This data is used to deliver customized content and advertising within Upfront Financial Services to customers whose behavior indicates that they are interested in a particular subject area.

Upfront Financial Services Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Upfront Financial Services or the site; (b) protect and defend the rights or property of Upfront Financial Services; and, (c) act under exigent circumstances to protect the personal safety of users of Upfront Financial Services, or the public.

Use of Cookies

The Upfront Financial Services Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Upfront Financial Services pages, or register with Upfront Financial Services site or services, a cookie helps Upfront Financial Services to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Upfront Financial Services Web site, the information you previously provided can be retrieved, so you can easily use the Upfront Financial Services features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Upfront Financial Services services or Web sites you visit.

Security of your Personal Information

Upfront Financial Services secures your personal information from unauthorized access, use or disclosure. Upfront Financial Services secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

Upfront Financial Services will occasionally update this Statement of Privacy to reflect company and customer feedback. Upfront Financial Services encourages you to periodically review this Statement to be informed of how Upfront Financial Services is protecting your information.

Contact Information

Upfront Financial Services welcomes your comments regarding this Statement of Privacy. If you believe that Upfront Financial Services has not adhered to this Statement, please contact Upfront Financial Services at desrushworth@upfrontfs.co.uk. We will use commercially reasonable efforts to promptly determine and remedy the problem.