- References to “Governor”, “we”, “us” or “our” refer to Governor Finance Limited and references to “you” or “your” refer to any users of our website.
- We will use your information to assist us in providing a high level of service to you, to prevent and detect crime and to develop and test our services. This may include sharing your information with other companies within the Governor group or any person we appoint to advise on or perform any of the services we offer for business and operational purposes.
- All personal information provided by you and any other information relating to your Account will be treated in confidence, except where required by law, or where your consent has been received. The uses of your personal information are covered by the registration of Governor Finance Limited under the Data Protection Act 1998 (‘DPA’). Under the terms of the DPA you have a right to obtain a copy of the information that we hold about you upon payment of the appropriate fee, and to request that we correct any inaccuracies.
- Governor Finance Limited is a registered Data Controller under the DPA, with registration number Z2465259. Our registration entry can be found by accessing the Search facility on the Information Commissioners website, www.ico.gov.uk.
3. Opening an account
- At the beginning of the account opening process, we will ask you to provide us with an email address, which we will use only to remind you that you have begun an application if you don’t then go on to complete it.
- If you decide to proceed with opening an account with Governor, we will ask you to provide us with certain information, including personal data. We may use this information to make searches about you at reference agencies who will supply us with information, including information from the electoral register, for the purpose of verifying your identity. The agencies will record details of such searches whether or not your application proceeds. It is our understanding with the reference agencies that we use that the searches will not be seen or used by lenders to assess your ability to obtain credit, though we cannot be held liable for the actions of such third parties. We may use scoring methods to assess your application and to verify your identity. This information may also be used for the prevention of money laundering as well as the management of your account.
- To prevent or detect fraud, and also to assist in verifying your identity, we may make searches at fraud prevention agencies who will supply us with information. We may also pass information to financial and other organisations involved in fraud prevention to protect ourselves and our clients from theft and fraud.
- Governor is designed to be an internet based administration tool, so we aim to send and receive all communications between you and us via secure message. If you have any query in relation to your Account you can contact us by sending a secure message, but not by email. You will receive an email from us to alert you when we have sent you any secure message.
- We will use the email address you provide for the purposes of sending direct marketing information to you on new products available to you through your account, where you have stated that you would like to receive such information. You will always have the right to ask us to stop sending such direct marketing information to you, however please note that if you choose not to receive this you may miss out on information relating to new products that are available, for example following the maturity of any of your investments.
- We may also use your email address to send you information on other products and services we offer. You will always have the right to ask us to stop sending such direct marketing information to you.
- We will maintain records of data held about you for at least as long as required by law, and in any event for a minimum of six years from the termination of any relationship between you and us.
6. Call Centre View
- It is a priority for us to ensure we continually improve our understanding of our customers’ use of their account, so that we can continue to improve our services. Call Centre View is a software component embedded in our website that allows us to view the HTML pages that you have recently viewed through your account. It achieves this by requesting the HTML pages from our server that have been displayed to you and displaying them to a member of our staff to enable them to assist you. The pages returned have all sensitive information, specifically access codes, removed.
- When we use Call Centre View, we can search for any one of our customers’ recent sessions and use the results of the search to navigate the HTML pages that comprised the relevant session. We are therefore able to see an exact copy of what you saw, augmented with visual cues that indicate how you interacted with the screen. The purpose of this is to be able to provide support to you either in real time (e.g. when you call us with a query on using the website) or soon after you have used the website.
- Because of the large volume of data that Call Centre View is required to receive and manage, it is only able to keep data for a limited time, i.e. approximately one to two weeks.
7. Google Analytics
- By using our website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.
8. Conversion Tracking and Behavioural Advertising
- We have opted into conversion tracking on Google and its AdSense partners’ websites - the conversion tracking cookie is downloaded when you click on an advertisement delivered by Google. These cookies expire within 30 days and are not personally identifiable. If this cookie has not yet expired when you visit certain pages within our website, we and Google will know that you clicked on the advertisement and proceeded to a particular page. We use the information collected by the conversion cookie to provide aggregate conversion statistics. We are able to see the total number of users who have clicked on our advertisement and proceeded to a particular page. If you want to disable the conversion tracking cookies, you can set your browser to block cookies from the www.googleadservices.com domain.
- We also use Atlas, a third party advertising company and a subsidiary of Microsoft , to serve advertisements on our behalf across the internet. Atlas may collect anonymous information about your visits to our website, and your interaction with our advertisements. For instance, it may keep track of how many of our advertisements you had seen before visiting our website. This is primarily accomplished through technology provided by Atlas, including cookies and “Action Tags” (commonly referred to as “Web Beacons” or “GIF tags”), which we insert in various places within our website. Atlas does not collect any personally identifiable information through the use of its technology. From time to time, we may share anonymous information with Atlas in an aggregate form, for purposes of analysis and improvement of our site. Atlas may use information about your visits to this and other websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice or the process of opting out of Atlas’ cookies, please go to www.AtlasSolutions.com/privacy.
- You can also visit the Network Advertising Initiative website at www.networkadvertising.org/managing/opt_out.asp to identity which third parties (including us) you do and / or do not want to download cookies from for conversion tracking and behavioural advertising purposes.
- Please note that the cookies downloaded onto your computer and used for conversion tracking or behavioural advertising purposes do not contain personally identifiable information.
- 'Cookies' are small amounts of data sent in a text file from a web server to your web browser which help operators understand more about the way in which you use a website. The information collected through cookies is used to make improvements to our website and enhance the service we are offering to you.
- Two types of cookie may be used on the website, “session” or “persistent”. Session cookies are used to maintain the state of the connection between the web server and your computer enabling you, once you are logged in, to move between web pages on the same website without having to keep logging in. Session cookies are deleted at the end of the browsing session.
- Persistent cookies are stored on the hard disk of your computer, unless you have configured your web browser not to accept cookies. Persistent cookies can be used for authenticating users and maintaining specific information about users, such as site preferences and to provide the website owner with information about how users use their site.
- If you would prefer not to accept cookies then you can alter your settings within your web browser (e.g. Internet Explorer, Google Chrome, Mozilla Firefox). Please visit the help section within your browser for instructions on how to do this. For conversion tracking and behavioural advertising cookies, you can also visit www.networkadvertising.org/managing/opt_out.asp.
- Please note that if you do not permit cookies to be used you may not be able to use the full functionality of the website
10. External Websites
- We will in some instances provide links to external websites, for example the Financial Conduct Authority and the Financial Services Compensation Scheme. We are not responsible for the content of any external websites.