Privacy Policy

Last modified: 05 August 2013

When you share information with us, for example by registering and creating an Agents' Mutual Account, we can make our service even better - for example by reviewing the devices being used to view our site, and testing against those devices to ensure display quality. As you use our services, we want you to be clear how were using information and the ways in which you can protect your privacy.

Our Privacy Policy explains:

  • What information we collect and why we collect it.
  • How we use that information.
  • The choices we offer, including how to access and update information.

We've tried to keep it as simple as possible, but if you're not familiar with terms, such as cookies, IP addresses, pixel tags and browsers, then read about these key terms first.

Information that we collect

We collect information to provide better services to all of our users, and inform them of Agents' Mutual changes, progress, presentations, and press releases.

We collect information in two ways:

  • Information that you give us - registering. We will ask for personal information, such as your name, email address, and telephone number.

  • Information that we get from your use of our services. We may collect information about the way you use the Agents' Mutual site, such as when you visit or how you interact with our content. This information includes:

    • Device information

      We may collect device-specific information (such as your hardware model, operating system version, unique device identifiers). Agents' Mutual may associate your device identifiers with your Agents' Mutual Account.

    • Log information

      When you use our services or view content provided by Agents' Mutual, we may automatically collect and store certain information in server logs. This may include:

      • Details of how you used our service, such pages you visited.
      • Internet protocol address.
      • Device event information, browser type, browser language, the date and time of your request and referral URL.
      • Cookies that may uniquely identify your browser or Agents' Mutual Account.
    • Local storage

      We may collect and store information (including personal information) locally on your device, using mechanisms such as browser web storage (including HTML 5) and application data caches.

    • Cookies and anonymous identifiers

      We use various technologies to collect and store information when you visit a Agents' Mutual service, which may include one or more cookies or anonymous identifiers sent to your device.

How we use information that we collect

We use the information that we collect from all of our services to provide, maintain, protect and improve them, to develop new ones and to protect Agents' Mutual and our users. We may also use this information to offer you tailored content and communications. We may use your email address to inform you about Agents' Mutual press releases, such as informing you about upcoming changes, presentations, or progress. When you contact Agents' Mutual, we may keep a record of your communication to help resolve any issues that you might be facing.

We use information collected from cookies and other technologies, like pixel tags, to improve your user experience and the overall quality of our services.

Agents' Mutual processes personal information on servers in several countries. We may process your personal information on a server located outside the country where you live, but these servers will either be within the EU and covered by EU law, or will be covered by EU Safe Harbour agreements.

Transparency and choice

People have different privacy concerns. Our goal is to be clear about what information we collect, so that you can make meaningful choices about how it is used. For example, you can:

  • Review and control certain types of information tied to your Agents' Mutual Account by using the edit registration form.
  • Take information out of your Agents' Mutual Account by using the edit registration form.

You may also set your browser to block all cookies, including cookies associated with our services, or to indicate when a cookie is being set by us. However, it's important to remember our services may not function properly if your cookies are disabled, and we are unable to authenticate you against your sign in credentials.

Accessing and updating your personal information

Whenever you use our services, we aim to provide you with access to your personal information. If that information is wrong, we strive to give you ways to update it quickly or to delete it – unless we have to keep that information for legitimate business or legal purposes. When updating your personal information, we may ask you to verify your identity before we can act on your request.

We may reject requests that are unreasonably repetitive, require disproportionate technical effort (for example, developing a new system or fundamentally changing an existing practice), risk the privacy of others or would be extremely impractical (for instance, requests concerning information residing on backup tapes).

Where we can provide information access and correction, we will do so free of charge, except where it would require a disproportionate effort. We aim to maintain our services in a manner that protects information from accidental or malicious destruction. Because of this, after you delete information from our services, we may not immediately delete residual copies from our active servers and may not remove information from our backup systems.

Information that we share

We do NOT share personal information with companies, organisations and individuals outside of Agents' Mutual unless we have your consent to do so.

  • For external processing

    We provide personal information to trusted businesses or persons to process it for us, based on our instructions and in compliance with our Privacy Policy and any other appropriate confidentiality and security measures.

  • For legal reasons

    We will share personal information with companies, organisations or individuals outside Agents' Mutual if we have a belief in good faith that access, use, preservation or disclosure of the information is reasonably necessary to:

    • Meet any applicable law, regulation, legal process or enforceable governmental request.
    • Enforce applicable Terms of Service, including investigation of potential violations.
    • Detect, prevent or otherwise address fraud, security or technical issues.
    • Protect against harm to the rights, property or safety of Agents' Mutual, our users or the public, as required or permitted by law.

We may share aggregated, non-personally identifiable information publicly and with our partners, such as publishers, advertisers or connected sites. For example, we may share information publicly to show trends about the general use of our services.

Information security

We work hard to protect Agents' Mutual and our users from unauthorised access to or unauthorised alteration, disclosure or destruction of information that we hold. In particular:

  • We review our information collection, storage and processing practices, including physical security measures, to guard against unauthorised access to systems.
  • We restrict access to personal information to Agents' Mutual employees, contractors and businesses who need to know that information in order to process it for us and who are subject to strict contractual confidentiality obligations. They may be disciplined or their contract terminated if they fail to meet these obligations.

Application

Our Privacy Policy applies to all of the services offered by Agents' Mutual Ltd.

Enforcement

We regularly review our compliance with our Privacy Policy. When we receive formal written complaints, we will contact the person who made the complaint to follow up. We work with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of personal data that we cannot resolve with our users directly.

Changes

Our Privacy Policy may change from time to time. We will not reduce your rights under this Privacy Policy without your explicit consent. We will post any Privacy Policy changes on this page and, if the changes are significant, we will provide a more prominent notice (including, for certain services, email notification of Privacy Policy changes). We will also keep prior versions of this Privacy Policy in an archive for your review.

Key terms

Anonymous identifier

An anonymous identifier is a random string of characters that is used for the same purposes as a cookie on platforms, including certain mobile devices, where cookie technology is not available.

A cookie is a small file containing a string of characters that is sent to your computer when you visit a website. When you visit the website again, the cookie allows that site to recognise your browser. Cookies may store user preferences and other information. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some website features or services may not function properly without cookies.

Agents' Mutual Account

You may access some of our services by signing up for a Agents' Mutual Account and providing us with some personal information (such as your name, email address, phone numbers and a password). This account information will be used to authenticate you when you access Agents' Mutual services and protect your account from unauthorised access by others. You can edit your account at any time through your Agents' Mutual Account settings.

IP address

Every computer connected to the Internet is assigned a unique number known as an Internet protocol (IP) address. Since these numbers are usually assigned in country-based blocks, an IP address can often be used to identify the country from which a computer is connecting to the Internet.

Non-personally identifiable information

This is information that is recorded about users so that it no longer reflects or references an individually identifiable user.

Personal information

This is information which you provide to us which personally identifies you, such as your name, email address or phone number, or other data which can be reasonably linked to such information by Agents' Mutual.

Pixel tag

A pixel tag is a type of technology placed on a website or within the body of an email for the purpose of tracking activity on websites, or when emails are opened or accessed, and is often used in combination with cookies.

Server logs

Like most websites, our servers automatically record the page requests made when you visit our sites. These “server logs” typically include your web request, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser.

Here is an example of a typical log entry, followed by a breakdown of its parts:

172.16.254.1 - 05/Aug/2013 10:15:32 -
http://www.agentsmutual.co.uk/ -
Mozilla/5.0 (Windows NT 6.2; WOW64) AppleWebKit/537.36 - 740674ce2123e969
  • 172.16.254.1 is the Internet Protocol address assigned to the user by the user's ISP; depending on the user's service, a different address may be assigned to the user by their service provider each time that they connect to the Internet;
  • 05/Aug/2013 10:15:32 is the date and time of the query;
  • http://www.agentsmutual.co.uk/ is the URL requested;
  • Mozilla/5.0 (Windows NT 6.2; is the browser and operating system being used; and
  • 740674ce2123a969 is the unique cookie ID assigned to this particular computer the first time that it visited Agents' Mutual. (Cookies can be deleted by users. If the user has deleted the cookie from the computer since the last time s/he visited Agents' Mutual, then it will be the unique cookie ID assigned to the user the next time that s/he visits Agents' Mutual from that particular computer.)

Unique device identifier

A unique device identifier is a string of characters that is incorporated into a device by its manufacturer and can be used to uniquely identify that device. Different device identifiers vary in how permanent they are, whether they can be reset by users and how they can be accessed. A given device may have several different unique device identifiers. Unique device identifiers can be used for various purposes, including security and fraud detection, syncing services such as a user's email inbox, remembering the user's preferences.