At Engage Credit we aim to protect your privacy as far as possible. We only use information that we collect about you to process transactions and to improve the quality of the service that we provide to you.

If you have any questions or complaints relating to the Privacy Policy or how we use the personal information we have about you, please contact us. We will endeavour to respond to you promptly. Engage Credit does not disclose your personal information to third parties, except as described in this Policy. Third party disclosures may include sharing such information with non-affiliated companies that perform support services for your account or facilitate your transactions with Engage Credit, including those that provide professional, legal, or accounting advice to Engage Credit. Non-affiliated companies that assist Engage Credit in providing services to you are required to maintain the confidentiality of such information to the extent they receive it, and to use your personal information only in the course of providing such services and only for the purposes that Engage Credit dictates.

We may also disclose your personal information to fulfil your instructions, to protect our rights and interests and those of our business partners, or pursuant to your express consent. Finally, under limited circumstances, your personal information may be disclosed to third parties as permitted by, or to comply with, applicable laws and regulations, for instance, when responding to proceedings of a court of law or similar legal process, to protect against fraud, and to otherwise cooperate with law enforcement or regulatory authorities. Engage Credit does not collect personally identifying data from this web site except when specifically and knowingly provided by you. In the latter case, subject to any applicable local laws, we may use your personal information (a) to improve the content and functionality of our website (such as to determine pages of our site visited by users), or (b) in connection with processing payments, requests for statements or redemption quotes or notifications of changes to your personal details.

For system administration purposes and to help us identify the browsing actions and patterns of the users of our site, we may also collect certain information about your computer when you access our site; including, where available, your IP address, operating system and browser type. We generally and to the extent possible collect this information in a statistical format only and in a way that does not directly identify it to any individual user.

We also obtain information about your browsing actions and patterns of usage to help us improve our site by using a cookie file which is stored on the hard drive of your computer. Our system will not issue cookies unless you have agreed to accept cookies from this site. Further information about the cookies our system issues if you agree to accept them is included below.

We do not sell your personal information and do not pass it on to a third party other than when specifically noted in this Policy.

Cookie	Name	Purpose	More information
Google Analytics	_ga _gat_UA-21322524-2	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
Engage site cookie acceptance	cookies_allowed	This cookie is used to record if a user has accepted the use of cookies on the Engage website.
PHP Session cookie	560f7f41dc4ddeef851e9792b7a70b4d	This cookie is created at the start of each visit to the Engage site and is used to collect and pass information about each session to the server in an anonymous form, including a visitor counter, a timestamp for the visit, the browser type used by the visitor and any server errors occurring during the visit. This cookie is deleted when a user closes his or her browser.

Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org.


To opt out of being tracked by Google Analytics across all websites visit
http://tools.google.com/dlpage/gaoptout.
You have the right to access your information at any time to check whether it is accurate and up-to-date and should contact us if you wish to do so. Engage Credit’s website may contain links to websites of third party companies and organisations that are not controlled by or related to Engage Credit. Each such company and organisation will have its own privacy policies posted on its website and you should review the privacy policy for each such website you access. Engage Credit may amend this Privacy Policy at any time and will post the revised policy on this page. Please review this page periodically for any such amendments. This Privacy Policy was last updated on 25 May 2012. Please note that we may record or monitor telephone calls for quality control and training purposes.