Privacy Policy

1. General Principles

Protecting your privacy is very important to us. We have developed this Privacy Policy to protect your

personal information and keep it confidential.

We do everything we reasonably can to protect your rights of privacy on systems and websites controlled

by us, but we are not liable for any unauthorised or unlawful disclosures of your personal and confidential

information made by third parties who are not subject to our control, for example advertisers and websites

that have links to our Site. You should take note that the information and privacy practices of our business

partners, advertisers, sponsors or other sites to which we provide hyperlinks, may be different from ours.

We also cannot warrant the security of the information, which you transmit to us.

We categorise information about you (collectively referred to as "Personal Information") as follows:

 Profiling Information: Information which you provide when you Subscribe or register for a Service

 Information about your personal identity such as race, gender, marital status, religion, age etc.;

 Your financial information such as your banking details and any information relating to your income and

lifestyle levels; and

 Your contact details such as your physical addresses, postal addresses, telephone and fax numbers and

the like.

 Payment and Account Information: Your account history with us including (without limitation) all billing

information and communications, payment history etc. We maintain this in encrypted form on secure

servers

 Service Usage: Information about your navigation using our Services, for example the URLs of websites,

which you visit and from which you request downloads.

 Log information: Information such as your web request, IP address, browser type, browser language, date

and time of request.

 Transactional Information: Transactional history (other than banking details) about your e-commerce

activities.

 Correspondence Information: Content, information about your correspondents, and the destination/origin

of communications between you and any other person using our Services, which include email

communications, blog, chat room and discussion board communications, instant message

communications, experts forum communications, faxmail communications, membership of mailing lists

etc.

 User IDs: Your usernames, passwords, email addresses and other security-related information used by

you in relation to our Services.

 Stored Information: Data either created by you or by a third party and which you wish to store on our

servers such as image files, documents etc.

We only collect your Personal Information to conduct our business and to enable us to deliver

and improve our Services.

We will only disclose your Personal Information in accordance with this Privacy Policy. If we want to use it

for any other purpose, we will obtain your prior written consent.

If you decline to submit personal information to us, then we will unfortunately not be in a position to

provide the Services to you.

Any of your information which you provide when you use our Services in an unencrypted manner and/or

to an open, public environment or forum including (without limitation) any blog, chat room, albums,

community, classifieds or discussion board, is not confidential, does not constitute Personal Information,

and is not subject to protection under Privacy Policy. Since such public environments are accessible by

third parties, it is possible that third parties may collect and collate and use such information for their own

purposes. You should accordingly be careful when deciding to share any of your Personal Information in

such public environments.

Information, which is disclosed publicly, is also shared with our affiliates, third party service providers,

sponsors of competitions etc. unless expressly stated otherwise.

We are not liable to you or any third party for any damages that you or any third party may suffer

howsoever arising from your disclosure of Personal Information in any public environment. You

accordingly disclose information in a public environment at your own risk

If you are no longer interested in receiving e-mail announcements and other marketing information from

us, or you want us to remove any PII that we have collected about you,Mail us our Contact us with your

concerns.

We use third-party service providers to serve ads on our behalf across the Internet and sometimes on

this site. They may collect anonymous information about your visits to our website, and your interaction

with our products and services. They may also use information about your visits to this and other

websites to target advertisements for goods and services. This anonymous information is collected

through the use of a pixel tag, which is industry standard technology used by most major websites. No

personally identifiable information is collected or used in this process. They do not know the name, phone

number, address, email address, or any personally identifying information about the user.

2. Right to collect

By accepting the Terms you agree that we may collect and store your Personal Information as long as

you Subscribe to or use our Services subject to the limitations set out in this Privacy Policy.

We collect your Profiling and Account Information for the following reasons:

 We need your identity details, contact details, banking information and account history to manage our

relationship with you and provide Services to you. We will only disclose this information as provided for in

clause 3 below.

 We use certain of your information in an aggregated form to compile statistical and demographical

profiles for our business and marketing activities. We may disclose such information about you, provided

that the information is in an aggregated form that is not capable of being used or interpreted in such a

manner as to identify you.

We collect and store your Service Usage and Transactional Information to:

 determine and verify the Service Charges payable by you and to administer our relationship with you;

 comply with any statutory or regulatory requirement;

 compile statistical and demographical profiles about you for our business and marketing activities and to

customise our Services to you. While we are entitled to use such information about you for our own

internal business purposes without limitation, we will only disclose it in a non-aggregated form which is

not capable of being used or interpreted in such a manner as to identify you; and

 monitor your use of our Services for the purposes of ensuring compliance with our User Rules.

We collect and store your Correspondence Information and Personal Identifiers to:

 comply with our obligations under clause 3 below; and

 monitor your use of our Services in order to ensure your compliance with our User Rules as provided for

in clause 3 below.

We will only disclose Correspondence Information and Personal Identifiers under clause 3 below.

We may scan your Stored Information to ensure that you comply with clause 3 below.

Any Personal Information which we collect and which we may use in an aggregated format is our

property. We may use it, in our sole discretion and without any compensation to you, for any legitimate

purpose including (without limitation) the commercial sale thereof to third parties.

Some of our own websites use "cookies" so that we can provide you with more customised information

when you return to our website. "Cookies" are used to store user preferences and to track user trends, so

as to enhance your interactive experience and generally improve our Services to you. You can set your

browser to notify you when you are sent a "cookie", giving you the chance to decide whether or not to

accept it. If you do accept a "cookie", you thereby agree to our use of any Personal Information collected

by us using that Cookie.

You may update your Profiling Information at any time by using the personalise function.

You acknowledge and agree that in the interests of improving personalisation and Service efficiency, we

may, under controlled and secure circumstances, share your Personal Information with our affiliates (an

entity which is our subsidiary or holding company or a subsidiary of our holding company or an entity

which controls, is controlled by or is under common control with us).

3. General exceptions

If we are required to intercept, disclose, monitor and/or store your Personal Information:

 by law;

 to conduct our business;

 to secure our systems; or  to enforce our own rights, we will do so in the manner as prescribed by legislation.

Such interception, disclosure, monitoring and storage may take place without your knowledge. In that

case, we will not be liable to you or any third party for any damages howsoever arising from such

interception, disclosure, monitoring and storage.

In order to ensure that all our Users comply with the User Rules, we may monitor your Personal

Information to the extent that this may be required to determine compliance and/or to identify instances of

non-compliance.

To ensure that the security and integrity of our Services are safeguarded, we may monitor your

Personal Information. This monitoring may include (without limitation) the filtering of incoming

and outgoing electronic data messages to identify, limit and/or prevent the transmission of spam,

viruses and/or unlawful, defamatory, obscene or otherwise undesirable material or content.

We may under certain circumstances procure an element of the Services from a third party service

provider for example we may use third party advertising companies to serve advertisements when you

visit our Website. To the extent that it may be necessary, and solely for the purposes of providing the

Service to you, you agree that we may disclose to such third party any of your Personal Information that

may be necessary for the procurement of services from the third party. These companies may also use

information (not including your name, address, email address or telephone number) about your visits to

this and other Web sites in order to provide advertisements about goods and services of interest to you.

More information about this practice and your choices about not having this information used by these

companies would be available with the respective third parties.