1. This Privacy Policy
1.1 RBC Mon£y is committed to protecting your personal information and other data provided to us via this Website. Please read this Privacy Policy carefully as it contains important information about the use of any information you provide to RBC Mon£y via this Website. This Privacy Policy explains what information RBC Mon£y collects about you, and how RBC Mon£y collects and uses your information, including setting out the circumstances where RBC Mon£y could provide it to third parties.
1.2 Because of the financial nature of RBC Mon£y’s business, RBC Mon£y’s products and services are not designed to appeal to or to be sold to persons under the age of 18. Therefore, RBC Mon£y does not knowingly attempt to solicit or receive any information from children.

2. What information does RBC Mon£y collect and what does RBC Mon£y do with it?
2.1 To take advantage of some of the services offered via this Website you might be required to register your details. RBC Mon£y and any third parties who hosts or maintains this Website may need to collect information about you and your computer to enable you to do so. The information will be collected when you register with the Website or when you choose to use one of the services available via the Website.
2.2 RBC Mon£y may use the information which it collects to personalise your experience on the Website, to help you to log-in in future, to continue to use the Website, and to help RBC Mon£y select services or materials for inclusion on the Website which may be of interest to you. RBC Mon£y may, from time to time, use your information to recommend other products or services to you from our company or specially selected companies. Occasionally, RBC Mon£y may contact you by letter, telephone or e-mail to inform you about other products and services which may be of interest to you. To exercise your right to opt out of this service you should contact RBC Mon£y via email or post.
2.3 RBC Mon£y may use your information to notify you of news about RBC Mon£y, changes to the Website, special events or new services that RBC Mon£y thinks may interest you. If, at any time, you would rather not receive any such information, please either tick any relevant opt-out box on the page where you are asked to give your information or you may contact RBC Mon£y via the link shown below. In these circumstances, RBC Mon£y will need to keep your information on file so that you can continue to use the Website and so that RBC Mon£y can deal with the administration and security of the Website, but RBC Mon£y will not e-mail you or contact you by telephone, fax or post without your consent.
2.4 The nature of RBC Mon£y’s business is such that RBC Mon£y may on occasion ask you to provide sensitive personal data as defined in the Data Protection Act 1998. Where RBC Mon£y does so, RBC Mon£y will request your explicit consent to the use of such sensitive personal data. Where you consent to provide RBC Mon£y with this information RBC Mon£y will take appropriate measures to protect such sensitive personal data.
2.5 RBC Mon£y or third parties hosting servers on RBC Mon£y’s behalf may also monitor traffic patterns and usage of the Website to help it to improve the Website design and layout. Such monitoring will not be identifiable to your personal use of the Website.
2.6 Please note that RBC Mon£y is not responsible for what any third party content provider or other third party offering goods and services via Websites linked to this Website may propose to do with information about you. So please ensure you read their terms and conditions carefully.

3. Sharing of Information with Third Parties
3.1 Unless you otherwise agree, RBC Mon£y will not disclose your personal information to third parties other than as described in this clause (unless it is legally required to do so). RBC Mon£y will pass your details to one carefully selected panel member who will be able to provide you with a service to process your claim(s) as outlined on our website. RBC Mon£y may need to pass your information to third parties who help RBC Mon£y to maintain, administer or develop the Website but, if so, that information is only given to those third parties for that limited purpose. In addition, RBC Mon£y may provide aggregate statistics about its customers, sales, traffic patterns and related Website information to reputable third-parties, but these statistics will include no personally identifying information. Your information may be passed to carefully selected third parties where we believe the services they offer may be of reasonable benefit to you.
3.2 RBC Mon£y reserves the right to access and disclose personal data or information to comply with applicable laws and lawful government requests, to operate its systems properly, or to protect itself or its users.

4. Your Consent
4.1 You acknowledge and agree that:
4.1.1 in the course of registering or using this Website and any services offered via this Website, certain information about you will be captured electronically (including sensitive personal data where required, but this will be subject to you giving your explicit consent in such cases) or otherwise and transmitted to RBC Mon£y or and, potentially, to any third parties as set out above, or to third parties who host RBC Mon£y web servers or assist RBC Mon£y in maintaining this Website; and
4.1.2 RBC Mon£y may send your information outside of the European Economic Area for processing or use in accordance with this Privacy Policy.
4.2 By using this Website, you expressly agree to the collection and use of your information for the purposes set out in this Privacy Policy.

5. Contests and Competitions
From time-to-time RBC Mon£y may request information from users for the purposes of running contests or competitions. Participation in these contests or competitions is completely voluntary and the user therefore has a choice regarding whether or not to disclose this information.

6. RBC Mon£y’s Responsibilities – How does RBC Mon£y protect user information?
As required by the Data Protection Act 1998, we follow strict security procedures in the storage and disclosure of information which you have provided via this Website, to prevent unauthorised access. We shall take all reasonable steps to ensure your personal details remain secure, however, we cannot guarantee the security of any information you provide through the Website. You agree that we will not be liable for any such security breaches unless they have been caused by our willful neglect.

7. What are �Cookies� and how does RBC Mon£y use them?
7.1 A cookie is a piece of information that is stored on your computer’s hard drive by your Web browser. On visiting the Website, your computer server will use the cookie to guarantee a secure connection. Most browsers accept cookies automatically, but usually you can alter the settings of your browser to prevent automatic acceptance. If you choose not to receive cookies, you may not be able to use certain features of this Website.
7.2 RBC Mon£y may conduct analyses of user traffic. These analyses will be performed through the use of IP addresses and cookies which are required to ensure a secure server connection. RBC Mon£y does not use cookies to store any personal data or browsing habits.
7.3 Third parties such as advertising agencies and content providers may use cookies on this Website to collect personal information about you. RBC Mon£y recommends that you read the privacy statement of any third party before using their Website. RBC Mon£y is not responsible for the use of such cookies or any other ways in which your personal data may be collected or used by such third parties.

8. Changes to Privacy Policy

RBC Mon£y reserves the right to add to or change the terms of this Privacy Policy in its sole discretion, without prior notice to you. If Bank-Smart changes this Privacy Policy, RBC Mon£y will post the new Privacy Policy on the Website, and it will become effective from the time of posting to the Website. Please visit this Privacy Policy on a regular basis to make sure you have read the latest version and you understand what RBC Mon£y does with your information. Wherever possible, RBC Mon£y will give you notice of any changes prior to their implementation.

9. General
This Website contains links to other websites. Please be aware that RBC Mon£y cannot be held responsible for the privacy policies of such other sites. RBC Mon£y encourages its users to be aware when they leave the Website and to read the privacy statements of each and every Website that collects personally identifiable information. This privacy statement applies solely to information collected by this Website.

10. Feedback
If you have any queries or problems with regard to this Privacy Policy or the uses to which RBC Mon£y puts your information or wish to withdraw your consent to the use to which your personal data may be put (this may limit your ability to make effective use of our services) , please contact RBC Mon£y directly.
Contact us if you have a question about our terms or policy.