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Privacy Policy and Terms of Use

Last updated: 23 May 2018

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This privacy policy sets out how Experts for Expats uses and protects any information that you give us when you use this website.

Privacy policy

ExpertsforExpats.com is operated by Experts for Expats Ltd (we/us) and all of the articles on the site are created on an 'as available' basis, while we provide no guarantees or warranties of any kind, whether express or implied, with respect to this Website or its contents.

Experts for Expats is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.

Experts for Expats may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 1st November 2012.

What we collect

We may collect the following information:

  • Name
  • Contact information including telephone number and email address
  • Other information relevant to customer enquiries and event registrations, including country of residence and nationality.

What we do with the information we gather

When we receive submissions via our forms, we store all records securely in an external CRM system called Zoho. Only employees required to handle your data to provide our services have access to any information held within Zoho.

We require this information to be able to introduce you to an appropriate external organisation from our network of organisations to conduct a free consultation service. By collecting the personal information highlighted above, it allows us to better understand your needs and provide you with a better service, and in particular for the following reasons:

  • Internal record keeping.
  • After three weeks of your initial request, we may send you a follow up email to ask for your feedback, the responses from which we only use to improve our products and services.
  • We may periodically send promotional email about our services, events or other information which we think you may find interesting using the email address which you have provided - but only if you have opted in to receive such communications at the point of submission.
  • We only pass information on to our network of advisers with your permission which is obtained at the point of submission

Disclosure of information to third parties

  • To take advantage of our services you will be required to request a free consultation or advice. We and any third parties who host or maintain our service may need to collect information about you and your computer to enable you to do so. The information will be collected when you request a Service.

  • We have no responsibility for how the adviser uses the data provided to them; however advisers are also subject to Data Protection regulations and are responsible for protecting and using your data according to those regulations.

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

Right to forget

We store personal details as long as is necessary to provide our service and review historical activities. If at any time you would like us to remove your details from our systems, please email robert at expertsforexpats.com including the email address you originally submitted and we will endeavour to delete any information held relating to you from our systems within 14 working days.

What are your rights surrounding your personal information?

Your enhanced rights under the GDPR include:

  1. The right of access – we will provide a copy of your personal data, free of charge and within 30 days of requests. Requests can be made in writing, by phone or by email.
  2. The right to rectification – you may ask us to rectify any of your personal data which you believe is inaccurate or incomplete. We will respond within one month (this can be extended by two months where the request for rectification is complex). Requests can be made in writing, by phone or by email.
  3. The right to erasure – you have the right to request ‘to be forgotten’, i.e. for us to delete all records of your personal data. We will comply with your request, unless we have a legal obligation to continue to hold your personal data (in which case we will inform you of the reason why we cannot delete the data).

How we use cookies

A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use Google Analytics to monitor our site traffic. This provides us with anonymous information about how people use our website which enables us analyse data about web page traffic and improve our website in order to tailor it to visitors' needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

We also use use first-party cookies from Zoho to report visitor interactions on our website. These cookies allow us to identify our website visitors when they enter their details using the forms on the website, the reason we do this is to better understand your enquiry which enables us to choose the most suitable adviser from our network. We don't use this information in any other way.

You can change the settings in your browser to block cookies or to alert you when cookies are being sent to your devices.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website and our services.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information

You may choose to restrict the collection or use of your personal information.

If you have previously submitted an enquiry or registered your contact information with us in relation to an event, you may opt to receive no further correspondence from us by writing to or emailing us at advice@expertsforexpats.com.

Other than for the introductory service requested, we will not sell or lease your personal information to parties outside of our adviser network. We will not use your personal information to send you information about third party activities or products unless you expressly request such a service.

If you believe that any information that we are holding about you is incorrect or incomplete, please email us as soon possible at advice@expertsforexpats.com. We will correct any information found to be incorrect within five working days.

Applicable law/place of jurisdiction

Access to and use of the Experts for Expats website as well as this important legal information is subject to United Kingdom law.

Terms of use and website disclaimers

ExpertsforExpats.com is operated by Experts for Expats Ltd (we/us) and all of the articles on the site are created on an 'as available' basis, while we provide no guarantees or warranties of any kind, whether express or implied, with respect to this Website or its contents.

Specifically, we offer no representation or warranties about the accuracy, completeness, or suitability of any information published on ExpertsforExpats.com.  The information available is intended for general information purposes only and sets out our understanding of any chosen subject matter at the time of first publication.

At no time is any content or article on ExpertsforExpats.com intended to constitute advice or guidance upon which you may rely and is not a substitute for professional, financial, legal or tax advice, whatever your personal circumstances.

Experts for Expats Ltd do not endorse or approve any of the advice provided by independent financial advisers, financial advisers, mortgage advisers, solicitors or accountants.  While we undertake a number of checks to ensure that information, qualifications and organisations can legally offer advice, it is your responsibility to satisfy yourself that the adviser you see is regulated for the business you are transacting.  Any decision to transact business with an adviser is made by you on the basis of your own enquiries.

Advisers in our network and our exclusion of liability

Our primary goal is to introduce people to professional consultants and advisers who are qualified and able to provide advice and guidance on financial, tax, legal and other matters.

All professionals that we provide introductions to are independent of Experts for Expats and we offer no guarantees over the advice or guidance offered. To the fullest extent permitted by law neither we, nor we nor any of our directors, employees or other representatives will be liable for any loss or damage arising out of or in connection with your use of ExpertsforExpats.com or reliance on any information available on ExpertsforExpats.com or any third party site linked to/from this Site.  This is a comprehensive exclusion 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.

Notwithstanding the foregoing, none of the exclusions and limitations contained above affects any statutory rights you may have as a consumer or our liability for:

  • death or personal injury resulting from our negligence or that of our employees or agents;
  • fraud or fraudulent misrepresentation; or
  • any other matter which cannot be excluded or limited.

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