Any personal information that you provide on this website is controlled by AFFORD

Occasionally you will be asked to submit personal information about yourself (e.g. name, address and email address) in order to receive or use services on our websites. Such services include details of grants and offers, newsletters, publications, products, information and advice.

By entering your details in the fields requested and pressing 'Submit', you are consenting to the processing of your information by AFFORD and its agents in accordance with this Data Policy. You may also provide personal information to us when you contact us by email, telephone or letter. Whenever you provide such personal information, we will treat that information in accordance with this policy. Our services are designed to give you the information that you have requested. AFFORD will, at all times, act in accordance with current legislation and aim to meet current Internet best practice.

When you supply any personal information to AFFORD we have legal obligations towards you in the way we deal with that information. We must collect the information fairly, that is, we must explain how we will use it. This Data Policy explains how we will use your personal information. The 'Data Protection Notice' that you will find present whenever personal information is collected will provide additional information about how your personal information will be used by AFFORD.

We will use personal information provided by you or gathered by AFFORD for the following purposes:

• To process and respond to requests, enquiries and complaints received from you;
• To provide services requested by you;
• To communicate with you about services provided to you;
• To process payments;
• To update our records;
• To analyse trends and profiles;
• For audit purposes;
• To carry out customer satisfaction research;
• To prevent or detect fraud;
• To recommend products and services that we believe will be of interest to you;
• To enable third parties to carry out any of the purposes above on our behalf.

If you are notified that your personal information may be used to allow AFFORD to contact you for 'service administration purposes', this means that AFFORD may contact you for a number of purposes related to the service you have signed up for. For example, we may wish to provide you with password reminders or notify you that the particular service has been suspended or changed.

We will hold your personal information on our systems for as long as is necessary for the purposes set out above and we will remove it when the purposes have been met.

AFFORD may share your personal information with third parties in the following ways:

• We will release your personal information when we are required to do so by law.
• We will release your personal information to others when you have given your consent to that release.
• AFFORD may occasionally present a promotion that is sponsored by a third-party company. To qualify for entry, we may ask you to provide personal information. If we plan to share that information with the sponsor(s) we will make this clear at the point of collection of your information.

During the course of any visit to AFFORD's website, the pages you see, along with something called a cookie, are downloaded to your computer. Most, if not all, websites do this, because cookies allow the website publisher to accumulate useful data such as whether the computer (and sometimes its user) has visited the site before. This is done on a repeat visit by checking to see, and finding, the cookie left there on the last visit.

We use cookies to help us to provide you with a better service and to assist us to analyse the profile of our visitors. From time to time we will review the information cookies provide on how the site is used in order to improve navigation and increase the relevance of content.

When you enter a site your computer will automatically be issued with a cookie. Cookies are text files that identify your computer to our server. Cookies in themselves do not identify the individual user, just the computer used. Many websites do this whenever a user visits their site in order to track traffic flows.

Cookies themselves only record those areas of the site that have been visited by the computer in question, and for how long. Users have the opportunity to set their computers to accept all cookies, to notify them when a cookie is issued, or not to receive cookies at any time. The last of these, of course, means that certain personalised services cannot then be provided to that user.

These Terms of Use govern your use of the AFFORD website. By using the website you are indicating your acceptance of these Terms of Use. AFFORD may update the Terms of Use from time to time.

The information and images contained on our websites are the property of AFFORD and are protected by copyright laws. All software used on this website is the property of AFFORD or our software suppliers and is protected by copyright laws. The content of AFFORD's website may not be distributed, modified, reproduced in whole or in part without the prior written permission of AFFORD.

Material may be downloaded free of charge or printed without requiring specific permission. This is subject to the material being reproduced accurately and not being used in a derogatory manner, in a misleading context or for commercial purposes. Where this material is being issued to others, the source (including web address) and copyright status must be acknowledged.

AFFORD is committed to respecting the intellectual property rights of others and has taken all reasonable efforts to trace the copyright owners of images and obtain permissions for reproductions in this website.

All logos and other marks used on AFFORD's website are AFFORD trade marks and may not be used without AFFORD's prior written permission.

AFFORD does not accept any responsibility for any loss or damage including, without limitation, indirect or consequential loss or damage, or any loss or damages whatsoever arising from use or loss of use of, data or profits arising out of or in connection with the use of the AFFORD website.

AFFORD does not guarantee that access to and use of the AFFORD's website will be uninterrupted or error-free.

AFFORD is providing this site on an "as is" basis and makes no representations or warranties of any kind with respect to this site or its contents and disclaims all such representations and warranties.

In addition AFFORD has prepared these resources in good faith. Those using the material shall satisfy themselves as to the appropriateness and suitability of the information. Neither AFFORD and its Board, nor their employees agents or contractors accept any liability for any errors or omissions or for the ineffectiveness of any activities or suitability for use, or any decision made or action taken or not taken in reliance upon the information. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties.

Mention of third party products, services, companies and websites on any AFFORD website is for informational purposes only and constitutes neither an endorsement nor a recommendation of the said product or service. While every effort is made to check the content and accuracy of the websites we link to, AFFORD takes no responsibility for information contained on websites maintained by other organisations or for action taken as a result of information contained on websites maintained by other organisations. Please note that all third party products must be ordered directly from the vendor, and all licenses and warranties, if any, take place between you and the vendor.

Although we may from time to time monitor or review discussion postings on our bulletin boards, we are under no obligation to do so and assume no responsibility or liability arising from the content of any such locations nor for any error, omission, infringement, defamation, obscenity, or inaccuracy contained in any information within such locations on AFFORD's website.

These terms and conditions shall be governed by and construed in accordance with the laws of England and Wales. Any dispute arising under these terms and conditions shall be subject to the exclusive jurisdiction of the courts of England and Wales. Those who choose to access this site from outside the United Kingdom are responsible for compliance with local laws if and to the extent local laws are applicable.