You may visit our site at any time secure in the knowledge that you are not providing us with any personal information. However, at times Vesta Money Limited or our partners may require personal information to process a request that you make through our website and for those purposes, Vesta Money Limited has put measures in place to ensure that any personal information or data that we obtain from you in connection with the website of Vesta Money or its group, is processed in accordance with the accepted principles of good information handling.

We also obtain data and information by using cookies. A cookie is a small amount of text data given to a web browser by a web server. The data is stored and returned to the specific web server each time the browser requests a page from that server. The main purpose of cookies is to pass a unique identifier to the website so that the website can keep track of the user as he/she steps through a website. A cookie helps analyse web traffic or lets us know when you visit a particular web page. Cookies allow web applications to respond to you as an individual. The benefit we both gain from their proper use is worthwhile. You may, if you choose, set your web browser to notify you of cookie placement requests or decline cookies completely.

We will treat all your personal information as private and confidential, even when you are no longer a customer, except where disclosure is made at your request or with your consent or where we are required by law to do so. We will retain your personal details for a minimum of 6 years. You have the right to ask for a copy of your information (subject to a £10 fee) by contacting us at the registered office.

Vesta Money Limited will use your information for the purposes of administration, to source financial products, marketing, customer services, analysing your purchasing preferences and customer profiling. See our Terms of Business for opt out information.

We may search the files of credit reference agencies who will record the search. This information may be shared with credit grantors and used for credit decisions and fraud prevention.

We will only provide your information to relevant third parties such as mortgage lenders and the providers of other financial products in order to process your requirements.

Where necessary you consent to our processing data that is defined as sensitive by the Data Protection Act such as data relating to your health or offences for the above purposes. You also consent to our transferring your information to countries that do not provide the same level of data protection as the UK, if necessary for the above purposes. In order to provide certain online services to you, we may transfer your data to countries or territories outside of the EEA (European Economic Area) that may not provide the same level of protection as within the EEA.

For the purposes of the Data Protection Act 1998, the Data Controller in relation to any personal data you supply is Vesta Money Limited.

In addition, our staff has a personal responsibility for maintaining user confidentiality. We provide training and education to all our staff to remind them of their obligations, which are fully supported by our internal policies and procedures. We only pass data to third parties where the security and confidentiality of your data is assured.

Vesta Money Limited, its agents and sub-contractors will apply appropriate technical and organisational measures against the unauthorised processing of personal data and against accidental loss of, or damage to personal data. By providing your data you agree to your data being used and transferred as stated above.

In respect of the provision of illustrations for non-investment insurance products, data provided by you may be electronically forwarded to selected online quotation providers, who may use this to obtain personal illustrations of the cover available, from a panel of providers.

The Information Commissioner provides a useful leaflet which explains how to request changes to your credit reference file. The easy to read leaflet includes examples of letters and details of various actions you may take to amend a file.

You can obtain copy of the free leaflet by writing to:
No Credit Leaflet, PO Box 99, Nelson, BB9 8GS.

Information is also available at www.ico.gov.uk