Privacy Policy

Allrates is commited to absolute transparency vis-a-vis our users. Below is the full privacy policy governing the Allrates website.

General

Fusion Media Limited ("the Company" or "Fusion Media" or "we") is the owner of the website www.allrates.com ("the Website") (which may also include a mobile application ["the App"]); collectively and separately known as "the Service"). Fusion Media is committed to protecting your privacy and we understand you want to keep your information private, safe and discrete. This Privacy Policy is designed to help you decide whether to use the Service and in what manner, and it describes how we collect, store and use information on individuals who use the Service.

The Services hereunder are offered by Fusion Media Limited, registered at:

OMC Chambers

Wickhams Cay 1

Road Town,

Tortola,

British Virgin Islands

Consent to use Information

This Policy is a legally binding agreement between you ("you" or "user") and us. By visiting, accessing or using the Website or App, or providing information to us in any other format, you agree to and accept the terms of this Privacy Policy, as amended from time to time, and you consent to the collection and use of information in the manner set out in this Policy. We encourage you to review this Policy carefully and to periodically refer to it so that you understand it and its subsequent changes if any. IF YOU DO NOT AGREE TO THE TERMS OF THIS PRIVACY POLICY, PLEASE STOP USING THE SERVICE IMMEDIATELY AND WHERE RELEVANT UNINSTALL.

The definitions in the Terms and Conditions apply to this Privacy Policy unless stated otherwise. IN ADDITION TO THIS POLICY, PLEASE REVIEW OUR TERMS AND CONDITIONS AND COOKIE POLICY WHICH ARE INCORPORATED HEREIN BY REFERENCE, TOGETHER WITH SUCH OTHER POLICIES OF WHICH YOU MAY BE NOTIFIED OF BY US FROM TIME TO TIME.

What Information Do We Collect?

We collect two types of data and information from you:

(1) Non-Personal Information – We retain some non-personally identifiable information ("Non-Personal Information"), such as your approximate geo-location, your web request, browser type, browser language, web pages you visit before or after visiting our Website or using the App, URLs, platform type, click numbers, landing pages, viewed pages and the order of those pages and time spent on pages. This information is collected and retained for security reasons and so that we can audit and statistically track usage, audit our affiliates, and calculate payments to third parties.

Web Beacons - We also use a software technology called "clear gifs" (also known as Web Beacons). Web Beacons are small pieces of code placed on a website to monitor the behavior and collect data about the visitors viewing a web page. For example, web beacons can be used to count the users who visit a web page or to deliver a "cookie" to the browser of a visitor viewing that page.

(2) Personal Information - "Personal Information" is information that may be of a private or sensitive nature, including your name, gender, phone number, e-mail address or mailing address, and IP address. 

We currently only collect your IP address as part of your use of the Website. We may also collect additional personal information you voluntarily provide as, as specified in the "What is the Purpose of Collecting this Information?" section below.

We treat any Non-Personal Information which is specifically connected or linked to any Personal Information as Personal Information.

Cookies

When accessing or using our Website, we may use one or more “cookies”. “Cookies” are small text files, placed on a computer hard drive, which enable websites to remember your user preferences. Without cookies, we may not be able to provide certain services or features, and the Website will not work as efficiently as we would like. You can turn cookies off, but if you do this you may not be able to access some services on the Website.Please note that, by accessing or using our Website, you agree to the use of cookies as described in this Policy.Cookies are text-only strings of information that are downloaded to your computer or mobile device when you visit our Website or another website using our implemented web tool. Your web browser then sends these cookies back to the originating website on each subsequent visit, or to another website that recognizes those cookies. You can find more information about cookies at www.allaboutcookies.org.

Cookies are widely used in order to make websites work in an efficient way. The use of cookies allows you to navigate between pages efficiently. Cookies remember your preferences, and make the interaction between you and the website smoother and more efficient. Cookies are also used to help ensure that the adverts you see online are relevant to you and your interests.

Setting and storing cookies
Cookies may be set either by the website you are visiting (“first party cookies”) or by third party websites who run content on the website you are viewing(“third party cookies”). They may be stored either for the duration of your visit to the Website or for repeat visits.

Different types of cookies

There are four main types of cookie:

(i)Strictly Necessary Cookies: These cookies are essential to enable you to login, navigate around and use the features of a website, or to provide a service requested by you, for example by remembering items you have placed in an online shopping basket. We do not need to obtain your consent in order to use these cookies.

(ii)Functionality Cookies: These cookies allow the website to remember choices you make (such as your user name, language, or the region you are in) and provide enhanced, more personal features. For instance, a website may be able to provide you with local weather reports or traffic news by using a cookie to store information about the region in which you are currently located, remember changes you have made to text size, fonts, and other parts of web pages that you can customize, and provide services you have asked for such as watching a video or commenting on a blog. The information these cookies collect remains anonymous and they cannot track your browsing activity on other websites.

(iii)Performance cookies: These cookies collect information about how you use a website, for example which pages you go to most often, and record difficulties you may experience while using the Website, for example error messages. All information collected by these cookies is aggregated and therefore anonymous. It is only used to improve the efficiency of the website.

(iv)Targeting Cookies or advertising Cookies: These cookies are used to deliver advertisements tailored to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign. They are usually placed by advertising networks with the website operator’s permission. They remember that you have visited a website and this information is shared with other organizations such as advertisers. Quite often targeting or advertising cookies will be linked to site functionality provided by the other organization. For more information about online behavioral advertising cookies and online privacy, please see the guide produced by the internet advertising industry available at www.youronlinechoices.com.

We use the following cookies on our Website:

  • Google Analytics
    utma, _utmb, _utmc, _utmz
    Performance cookie: 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. 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. Click here for an overview of privacy at Google
  • PHP session id
    PHPSESSID
    Functionality cookie: Used to store a session ID that is not personally identifiable, allowing the user to move from page to page with their browsing history saved and without having to log-in repeatedly.

  • GDPR
    allratesgdprSeen
    Allrates cookie:Applied once the user clicks the website cookie pop-up. Gives site permission to apply additional cookies according to user.

  • Geo id
    geoC
    Geo cookie:Used to store the geographic location of the user in order to display relevant products and features.Strictly necessary / Functionality cookies:Other unlisted cookies might be in use on internal sections of the site (including but not limited to admin and content editors), in order to customize and simplify the user experience on the site by remembering choices you made and your log in credentials.

  • Other 3rd party cookies
    Advertising cookie: Some advertising networks that partner with us may use cookies to better manage advertising campaigns, specifically to personalize advertising messages and to impose frequency caps.

How to manage your cookie settings?

There are various ways in which you can manage and control your cookie settings.

You should bear in mind that, by deleting or blocking cookies, some or all of the websites you visit (or features of them) may not work properly or as effectively.

a. Turning off cookies via your web browser

Most modern web browsers will provide you with some general information about cookies, enable you to see what cookies you’ve got, allow you to delete them all or on an individual basis, and enable you block or allow cookies for all websites or individually selected websites. You can also normally turn off third party advertising cookies separately.

Please note that if you adjust your cookie settings via your web browser then, unless you delete or block each cookie individually, the changes will apply to all websites that you visit – not just our websites. You will also need to adjust your cookies on a browser-by-browser basis.

Information about cookies is usually found in the “Help” section of the web browser. Below are some links to the “Help” sections of some commonly used web browsers:

Internet Explorer - https://support.microsoft.com/en-us/help/17442/windows-internet-explorer-delete-manage-cookies

Interenet Explorer Edge - https://privacy.microsoft.com/en-us/windows-10-microsoft-edge-and-privacy

Google Chrome - http://support.google.com/chrome/bin/answer.py?hl=en&answer=95647

Google Android - http://support.google.com/android/?hl=en

Mozilla Firefox - http://support.mozilla.org/en-US/kb/cookies-information-websites-store-on-your-computer?redirectlocale=en-US&redirectslug=Cookies

Opera - http://www.opera.com/browser/tutorials/security/privacy/

Safari - http://www.apple.com/support/safari/

Safari (mobile) - https://support.apple.com/en-us/HT201265

b. Turning off third party cookies

You can turn off the third party targeting/advertising cookies described in “How we use cookies” above by visiting the following link:

Double Click - if you would like to opt out of DoubleClick's use of cookies you can do so by visiting the DoubleClick opt-out page or the Network Advertising Initiative opt-out page.

You will also have the option of turning off third party targeting/advertising cookies each time you see an advertisement that has been personalized to you.

Some advertising networks that partner with us may use cookies to better manage advertising campaigns, specifically to personalize advertising messages and to impose frequency caps. Networks that are active on the site are participating in "Your Ad Choices" program and allow immediate opt-out of interest-based advertising by clicking on the "Your Ad Choices Icon".

For more information please visit: www.youradchoices.com

Note that the third party listed above may need to set a cookie in order to remember that their targeting/advertising cookies should not be assigned to you in the future. If you change or delete your browser’s cookie file, or change or upgrade your browser or device, then you might need to opt out again

What is the Purpose of Collecting this Information?

In order to access our services, users may be asked to fill in a form, providing some personal information to the Company. Answers to questions on Personal Information are not mandatory unless the fields are marked with an asterisk. Provision of the information requested in the optional fields of the registration form is not mandatory in order to receive the services and information that we provide through the Site (unless otherwise indicated in the registration form). However, failure to complete mandatory fields or providing incorrect Personal Information may prevent us from fully providing the requested information or services. Please note that you are under no legal obligation to provide us with your Personal Information, however you may not be able to enjoy our services or access the Site if you fail to do so.

 The collection and processing of Personal Information is aimed at providing you with the Service (including setting up your account), to send you marketing offers on products or services we think may be relevant to you, and to fulfill other purposes as provided in this privacy policy.

Non-Personal Information is collected for research and statistical purposes, to enable us to develop, customize and improve the Service, based on your preferences, usage and interactions with the Service, to process your requests for information, and to provide you with the most relevant services and offers.

We use cookies in conjunction with third parties to collect user information. Your Personal Information is collected to enable us to provide you with features, capabilities, offers and marketing materials we or our marketing partners think you may be interested in.

In addition to the above, your Personal Information allows us to provide you with technical assistance and support.

Who Else Receives this Information?

We may share or transfer information, including Personal Information, internally within our group of companies, for the purposes outlined above. These companies may be located in countries that may provide a different level of protection of privacy than in your jurisdiction.

We also share Personal and Non-Personal Information with trusted third parties, when this is required in order to provide, maintain or improve our services and operation. This is the case with third party advertisements and affiliates; we share your information with third parties for the purpose of providing you with advertisements and offers we or third parties think you may be interested in. These third parties may be located in countries that may provide a different level of protection of privacy than in your jurisdiction

We share your Personal and Non-Personal Information with (i) third parties which provide services to the Company in order to allow or enable us to provide you with our Service, including analytics, email services providers and data verifiers; (ii) third parties who provide the Company services in relation to the operation of the Website; (iii) any auditors, contractors or other advisers auditing any of the Company’s business processes; and (iv) any potential purchasers or investors in the Company.

Any processing performed by any of our third party service providers ("Recipients") will, where required by law, be governed by a data processing agreement in the form required by law, preserving any and all of your statutory data protection rights and obligating the Recipients to respect the Personal Information and handle it in accordance with the relevant laws. If a Recipient is located outside the EEA, we will transfer your data only to such countries as approved by the European Commission as providing adequate level of data protection, or ensure that the legal agreements governing the data transfer provide an adequate level of data protection. The Recipients are required to maintain the confidentiality of such information and to use your Personal Information only in the course of providing the aforementioned services and only for the purposes that Fusion Media dictates.We may also share your Personal Information and other information in special cases if we have a good reason to believe that it is necessary to: (i) comply with law, regulation, subpoena, request by an applicable authority or court order; (ii) detect, prevent or otherwise address fraud, security, violation of our policies or technical issues; (iii) enforce the provisions of this Privacy Policy or any other agreements between you and Fusion Media, including investigation of potential violations thereof; or (iv) protect against harm to the rights, property or safety of the Company, its partners, its affiliates, users or the public.

Advertisements

We may use a third-party advertising technology to serve advertisements when you access the Site. This technology uses your information with regards to your use of the Services to serve advertisements to you (e.g., by placing third-party cookies on your web browser). 

You may opt-out of many third-party ad networks, including those operated by members of the Network Advertising Initiative ("NAI") and the Digital Advertising Alliance ("DAA"). For more information about this practice by NAI and DAA members, and your choices regarding having this information used by these companies, including how to opt-out of third-party ad networks operated by NAI and DAA members, please visit their respective websites: http://optout.networkadvertising.org/#!/ and http://optout.aboutads.info/#!/.

User Rights and Retention 

You have the right to access, correct, update or object to the use of your Personal Information by making a written request to Fusion Media by using our Contact Us page. Your requests will be dealt with in a prompt and professional manner and in accordance with applicable law.

 We will retain your personal information for the duration required to provide our Services, and as necessary to comply with our legal obligations, resolve disputes, and enforce our policies. Retention periods will be determined taking into account the type of information that is collected and the purpose for which it is collected, bearing in mind the requirements applicable to the situation and the need to destroy outdated, unused information at the earliest reasonable time. Under applicable regulations, we will keep records containing personal data, communications and anything else as required by applicable laws and regulations. 

Security and Confidentiality

The Company treats your Personal Information in strict confidentiality, and the server in which this data is to be stored includes the necessary industry-standard security measures to prevent accidental or unlawful destruction, loss, alteration, unauthorized disclosure or access. However, we cannot completely guarantee the security of your information, which might be accessed, disclosed, modified, or destroyed, and it should be emphasized that you share this information at your own risk.

Links to Other Websites

This Privacy Policy applies only to the Service, and to our web tools which are integrated or implemented in other third party websites. The Policy does not apply to third party websites, linked to our Website. Third party websites or services may have their own privacy policies and we advise you to read them carefully. Inclusion of a link to a third party website or service is not a recommendation of such a website or service. Third party sites may contain information or services that are illegal or that some people may find inappropriate or offensive. Before using third party sites and services or before making a purchase, we recommend that you read and understand the privacy policies and terms and conditions of such third party websites and services, and the warranties for purchased products. You are knowingly and voluntarily assuming all risks of using third party sites to purchase products and services. You acknowledge and agree that we shall have no liability whatsoever with respect to such third party sites and your use of them.

Assignment

Subject to applicable law, We may transfer or assign your information, without any notice, and without a need to receive your consent, to any third party as a result of change of control, consolidation, merger, acquisition or reorganization. You acknowledge that in the event of bankruptcy, insolvency or receivership, we may have no control over the use and transfer of your Personal Information. 

Updates to this policy

This Privacy Policy is subject to modifications. Please check the "Last Modified" heading at the bottom of this document to see when this Privacy Policy was last updated. Any changes to this Privacy Policy will become effective when we post the revised Privacy Policy on the Website. In case of material changes to this Privacy Policy, we will provide a notice in the Website. Your use of the Website or the Service, or your provision of personal information following any changes means that you accept the updated Privacy Policy.

Last modified: Nov 2018.