Any reference to "John Charcol", "we", "us" and "our" is to John Charcol Limited, except where the relevant service is provided by another group company of John Charcol Limited, in which case these terms refer, in respect of those services, to that group company.
John Charcol along with its subsidiary companies believes in protecting the personal information that you provide us with. We are committed to complying with the following seven principles:
If you have any queries regarding this statement, you should first contact John Charcol by email. If you do not receive a reply within two working days, telephone us on 0344 436 3672.
We collect and process personal information from you at various stages throughout our website, for reasons including answering your enquiries, ensuring that content from our site is presented in the most effective manner for you and for your computer, to notify you about changes to our websites (including services and products), providing you with quotations, and carrying out our obligations from any contracts entered into between you and us. We also collect and process details of your visits to our site and the resources that you access
At each stage, you will be able to see what information we ask from you, such as your name and contact details, and information relating to your specific enquiry. If you contact us other than via our website, we may keep a record of that correspondence.
John Charcol is made up of a number of companies who themselves are Data Controllers, all of whom collects information about you.
The information we collect about you is used solely for the purposes for which it was provided. We will only use it for additional purposes (such as marketing) if we have received your prior consent to do so.
It is entirely up to you as to whether or not you choose to provide us with any personal information. If you choose not to, we simply may not be able to assist you.
We will not sell your information to any third party, unless John Charcol or one of its Subsidiary Companies is sold itself.
When you enter personal details on our website, you will be entering these details within a secure environment.
We use SSL (Secure Socket Layer) encrypted at 128bit to protect the details you send us. We use the BT Trustwise Secure Site Program.
In most web browsers, a padlock symbol appears at the bottom right, indicating when you are in a secure environment. Also, the 'http:' at the beginning of the website address changes to 'https:' with the 's' indicating that you are in a secure environment
Under the Data Protection Act 1998 you have the right, for a fee (up to £10), to ask us for a copy of the information we hold on you, and to have any inaccuracies corrected or removed.
To do this, please either contact us by email, telephone our Customer Relations Department on 0344 346 3672, or write to us at:
Customer Relations Department
We may disclose your personal information to third parties:
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
We may pass information about you to other parties as follows:
- to third parties authorised by us and acting on our behalf such as our employees, contractors, suppliers and/or agents (including, without limitation, our customer care teams and other John Charcol group companies) for the purposes of administration, income, credit and risk assessment, statistical research, marketing, product suitability, product sourcing and fraud prevention in respect of the products and/or services that you have requested;
- where we have your consent to do so, for marketing communications;
- as part of general statistical information about the customer base, sales patterns, traffic volumes and related matters. These details will not include information personally identifying you;
Occasionally we may perform anti-fraud, credit or security checks using your details and receive information about you from other sources (such as credit reference agencies) which we will be added to the personal information which we already hold about you in order to help us provide the products and/or services and assess credit, fraud or security risks.
We may also share your personal information with other business units and operations within the John Charcol group of companies. We share your personal information with other entities in the group to: (i) provide a more personalised experience across the different products and services that we offer; and (ii) to provide other services and products that you request or which might be of interest to you.
Please note this policy does not cover companies, services or applications that we do not own or control, or people that we do not employ or manage, including (without limitation) third party websites or applications (e.g. from “social media” platforms such as Facebook or Twitter) which we may link to or offer via our services. Also, it does not cover certain pages and services provided via our services which are hosted, managed and operated by other parties. These services, applications and third parties may have their own privacy policies and/or terms and conditions of use, which we recommend you read before using any such services. These third parties and services are wholly independent of us and are solely responsible for all aspects of their relationship with you and any use you may make of such services.
We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration
Cookies are small data files that your browser places on your computer or device. A cookie itself does not contain or collect information. However, when it is read by a server via a web browser it can help a website deliver a more user-friendly service – for example, remembering your user settings.
We also allow certain third party cookies, such as Google, to use analytical and temporary tracking cookies on our website to log the areas of the site that are visited most frequently and to track our own advertising. This information is used to enhance the content of our website, make your use of the website easier and to aid us in, and inform us of, the success of our own advertising elsewhere on the internet.
Below is a table of all cookies on this website:
|Cookie Type||Cookie Name||Cookie Purpose|
|Session & Typo3 Content Management Cookie||Session & fe_typo_user||We use session cookies to record an individual users preferences that the user has specified, so that each time the user returns their preferences remain. Commonly this would be language settings, shopping carts, anything where you have indicated a preference. Where forms are used on the site, we hold the information in a session cookie so that we can improve the user experience on the site. Should a user, for example, forget to fill in parts of a form when submitting a form, we can auto-fill the values for those fields that have been filled in, thereby reducing the amount of fields a user needs to amend. This information is stored only in your browser and is destroyed once your browser is closed.|
|Google Analytics||__utmz __utmc __utmb __utma||These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site for you. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.|
|Cloudflare||__cfduid||The __cfduid cookie is set by the CloudFlare service to identify trusted web traffic. It does not correspond to any user id in the web application, nor does the cookie store any personally identifiable information.|
|AdInsight||adiV||AdInsight (ADI) is a phone call analytics tool, used by companies to understand the customer interaction between the website and calling the company. Three cookies are used by AdInsight to help demonstrate this journey so the business can improve their customer experience. The adiV cookie contains an identifier which is used by AdInsight to track a visitor over time. This allows AdInsight to show multiple visits made by a customer over time from the same browser. This cookie is set to expire 1 year after the visitor leaves the website.|
|adiVi||The adiVi cookie contains an identifier which is used by AdInsight to help track a visitor’s path while they are on the website. This cookie is set to expire 30 minutes after the visitor leaves the website.|
|adiLP||The adiLP cookie is used to help track visitors who have multiple tabs open in the same browser to prevent errors in tracking.|