Privacy Policy & Terms and Conditions

WEB SITE TERMS AND CONDITIONS OF USE AND PRIVACY POLICY

Terms

By accessing this Web Site, you are agreeing to be bound by these Web Site Terms and Conditions of Use and Privacy Policy, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this Site. The materials contained in this Web Site are protected by applicable copyright and trade mark law. By using the WebSite you undertake that you have the necessary hardware, software and capability required for email and Web usage with all and necessary adequate protections in place.

Use License

Permission is granted to temporarily download one copy of the materials (information or software) on iva123.co.uk Web Site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
modify or copy the materials; use the materials for any commercial purpose, or for any public display (commercial or non-commercial); attempt to decompile or reverse engineer any software contained on iva123.co.uk Web Site; remove any copyright or other proprietary notations from the materials; or transfer the materials to another entity or "mirror" the materials on any other server. This license shall automatically terminate if you violate any of these restrictions and may be terminated by iva123.co.uk at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

Disclaimer

The materials on iva123.co.uk Web Site are provided "AS IS". iva123.co.uk makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, iva123.co.uk does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on this Web Site or otherwise relating to such materials or on any Sites linked to this Site.

Limitations

In no event shall iva123.co.uk or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption), arising out of the use or inability to use the materials on iva123.co.uk Internet Site, even if iva123.co.uk or a iva123.co.uk authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

Revisions and Errata

The materials appearing on iva123.co.uk Web Site could include technical, informative, typographical, or photographic errors. iva123.co.uk does not warrant that any of the materials on its Web Site are accurate, complete, or current. iva123.co.uk may make changes to the materials contained on its Web Site at any time without notice. iva123.co.uk does not, however, make any commitment to update the materials.

Links

iva123.co.uk has not reviewed all of the Sites linked to its Internet Web Site and is not responsible for the contents of any such linked Site. The inclusion of any link does not imply endorsement by iva123.co.uk of the Site. Use of any such linked Web Site is at the user's own risk. You may not create a link to this WebSite from another WebSite or document without iva123.co.uk prior written consent.

Comments

iva123.co.uk may contain comments sections or other interactive features ("Interactive Areas”) in which you may post or upload comments or User-Generated content such as video, photos, messages, other materials or items (collectively, "User Content"). You are solely responsible for their use of any Interactive Areas and they use them at their own risk.
Community Guidelines - If you submit any User Content or participate in an Interactive Area within or in connection with iva123.co.uk, Users agree to abide by the following rules of conduct.
You agree not to upload, post or otherwise transmit any User Content that violates or infringes in any way upon the rights of others, including any statements which may defame, harass, stalk or threaten others; Users agree not to upload, post or otherwise transmit any User Content that is offensive to the online community, including blatant expressions of bigotry, racism, abusiveness, vulgarity or profanity. You agree not to upload, post or otherwise transmit any material that contains or advocates pornography, pedophilia, incest, bestiality, or that is otherwise obscene. You agree not to upload, post or otherwise transmit any User Content that violates any law or engage in activity that would constitute a criminal offense or give rise to a civil liability; You agree not to upload, post or otherwise transmit any User Content that advocates or provides instruction on illegal activity or discuss illegal activities with the intent to commit them; You agree not to upload, post or otherwise transmit, without iva123.co.uk express prior approval, User Content which contains advertising or any solicitation with respect to products or services; You agree not to upload, post or otherwise transmit User Content that does not generally pertain to the designated topic or theme of any Interactive Area; You agree not to impersonate any person or entity, including, but not limited to, any iva123.co.uk employee, or falsely state or otherwise misrepresent your affiliation with any person or entity; You agree not to interfere with any other user's right to privacy, including by harvesting or collecting personally-identifiable information about iva123.co.uk Users or posting private information about a third party; You agree not to upload, post or otherwise transmit any User Content, software or other materials which contain a virus or other harmful or disruptive component; Users agree not to interfere with or disrupt iva123.co.uk or the servers or networks connected to the Site, or disobey any requirements, procedures, policies or regulations of networks connected to the Site; You agree not to upload, post, e-mail or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation; You agree not to upload, post, or otherwise transmit any User Content protected by copyright, trademark, trade secret, right of publicity or other proprietary right without the express permission of the owner of such copyright, trademark, trade secret, right of publicity or other proprietary right. The burden of determining that any User Content is not protected by copyright, trademark, trade secret, right of publicity or other proprietary right rests with Users. You shall be solely liable for any damage resulting from any infringement of copyrights, trademarks, trade secrets, rights of publicity or other proprietary rights or any other harm resulting from such a submission. Any person determined by iva123.co.uk, in its sole discretion, to have violated the intellectual property or other rights of others shall be barred from submitting or posting any further material on iva123.co.uk; iva123.co.uk reserves the right in its sole discretion to remove or edit User Content by Users and block Users access for any reason. iva123.co.uk is not responsible for User Content submitted to iva123.co.uk or posted in comments sections or on other Interactive Areas by Users of iva123.co.uk.
Monitoring - iva123.co.uk shall have the right, but not the obligation, to monitor User Content posted or uploaded to iva123.co.uk to determine compliance with these Terms of Conditions and any operating rules established by iva123.co.uk and to satisfy any law, regulation or authorized government request. Although iva123.co.uk has no obligation to monitor, screen, edit or remove any of the User Content posted or uploaded to iva123.co.uk, iva123.co.uk reserves the right, and has absolute discretion, to screen, edit, refuse to post or remove without notice any User Content posted or uploaded to iva123.co.uk at any time and for any reason, and Users are solely responsible for creating backup copies of and replacing any User Content posted to the Site at your sole cost and expense.

Site Terms of Use Modifications

iva123.co.uk may revise these Terms of Conditions and Privacy Policy for its Web Site at any time without notice. By using this Web Site you are agreeing to be bound by the then current version of these Terms and Conditions of Use and Privacy Policy.

Governing Law

Any claim relating to iva123.co.uk Web Site shall be governed by the laws of the The Czech Republic without regard to its conflict of law provisions.

Privacy Policy

User privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our Privacy Policy.
Before or at the time of collecting personal information, we will identify the purposes for which information is being collected. We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law. We will only retain personal information as long as necessary for the fulfillment of those purposes. We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned. Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date. We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification. We will make readily available to User information about our policies and practices relating to the management of personal information. We are committed to conducting our Site in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained. This Privacy Policy governs the manner in which iva123.co.uk collects, uses, maintains and discloses information collected from Users (each, a "User") of the iva123.co.uk WebSite ("Site").

Personal identification information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our Site, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

Web browser cookies

Our Site may use "cookies" to enhance User experience. User's Web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their Web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

How we use collected information

iva123.co.uk collects and uses Users personal information for the following purposes:
- To personalize user experience and statics: We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site. - To improve our Site: We continually strive to improve our WebSite offerings based on the information and feedback we receive from you. - To send response and answers to our Users : The email address Users provide will only be used to respond to their inquiries, and/or other requests or questions.

How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

Sharing your personal information

We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and Users with our business partners, trusted affiliates and advertisers for the purposes outlined above.

Third party WebSites

Users may find advertising or other content on our Site that link to the Sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these Sites and are not responsible for the practices employed by WebSites linked to or from our Site. In addition, these Sites or services, including their content and links, may be constantly changing. These Sites and services may have their own privacy policies, terms and conditions and customer service policies. Browsing and interaction on any other WebSite, including WebSites which have a link to our Site, is subject to that WebSite's own terms and policies.

Advertising

Ads appearing on our Site may be delivered to Users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile non personal identification information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy does not cover the use of cookies by any advertisers.

Google Adsense

Some of the ads may be served by Google. Google's use of the DART cookie enables it to serve ads to Users based on their visit to our Site and other Sites on the Internet. DART uses "non personally identifiable information" and does NOT track personal information about you, such as your name, email address, physical address, etc. You may opt out of the use of the DART cookie by visiting the Google ad and content network Privacy Policy at http://www.google.com/privacy/ads/

Google Analytics

This WebSite uses Google Analytics to help analyze how Users use the Site. The tool uses "cookies," which are text files placed on your computer, to collect standard Internet log information and visitor behavior information in an anonymous form. The information generated by the cookie about your use of the WebSite is transmitted to Google. This information is then used to evaluate visitors' us of the WebSite and to compile statistical reports on WebSite activity for iva123.co.uk. We will not associate any data gathered from this Site with any Personally Identifiable Information from any source, unless you explicitly submit that information via a fill-in form on our WebSite. For more information visit Privacy Center for Google Products at: http://www.google.com/intl/en/privacy/ and Privacy Overview for Google Analytics at http://www.google.com/intl/en/analytics/privacyoverview.html

Financial Information

iva123.co.uk aim is to provide generic information and opinions which may be of assistance to those seeking debt services. No financial information featured on the WebSite or accessed by you as a result of a link displayed on the WebSite is intended or considered to be financial advice offered by iva123.co.uk. iva123.co.uk advises that when looking at any financial product or service you read the terms of that product carefully and if you are in any doubt as to its meaning or effect that you seek qualified independent financial advice. Your use of any information or materials on this WebSite is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this WebSite meet your specific requirements. iva123.co.uk makes no warranties nor can it assume any responsibility for: the quality of service offered by any third party featured on the WebSite; the content of any third party WebSite that links from the WebSite. Where iva123.co.uk displays information on the WebSite that information will have been obtained and displayed in good faith. Whilst iva123.co.uk uses reasonable efforts to obtain information from reliable sources such information is intended as generic information only. Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this WebSite for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

Indemnity

You agree to indemnify and hold iva123.co.uk, its subsidiaries, and affiliates, and their respective officers, agents, partners and employees, harmless from any loss, liability, demand, claim or legal proceedings brought or threatened, including expenses of any character suffered or incurred arising out of your use of the WebSite or the Services in violation of this Terms and Conditions and Privacy Policy, and/or arising from your use of or conduct on the WebSite or in use of the Services and/or a breach of this Terms and Conditions and policy.

Liability

Financial advice and the financial markets are constantly evolving and iva123.co.uk cannot guarantee that all of the information is completely accurate. Unauthorized use of this WebSite may give to a claim for damages and / or be a criminal offense.

Changes to this Privacy Policy and Terms of Conditions

iva123.co.uk has the discretion to update this Privacy Policy and Terms of Conditions at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about any change. You acknowledge and agree that it is your responsibility to review this Privacy Policy ad Terms of Conditions periodically and become aware of modifications.

Your acceptance of these terms

By using this Site, you signify your acceptance of this Privacy Policy and Terms of Conditions. If you do not agree to this Privacy Policy and Terms of Conditions, please do not use this Site. Your continued use of the Site following the posting of changes to this policy and terms will be deemed your acceptance of those changes.

This document was last updated on December 08, 2011

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