Cowan and Rutter Privacy Statement

Information covered by this Statement

This Privacy Statement applies to the use and processing of personal information collected and used by Cowan and Rutter. The phrases “Cowan and Rutter” or “C&R” or “”us” or “we” shall, when used herein, mean those members of C&R on behalf of and in respect of whom this statement is made. By using the C&R website or otherwise providing your personal information to C&R, you agree to the collection, use and sharing of your information in accordance with this statement. Please read this Privacy Statement carefully and contact us if you have any questions. Personal information is information, or any combination of separate pieces of information, that could be used to identify you. Should you have any queries in respect of this statement or our use of personal data, please contact us.

Information C&R collects

We may collect information about you from a variety of sources.  This includes information we collect directly from you; information we collect when you visit our site, view our online content and information we collect about you from other sources.

Information we collect directly from you

We collect information directly from you when you choose to participate in our offers and programs, create an account on our website or email us, or otherwise provide information directly to us.  The following are examples of information we may collect directly from you:

• Name
• Email address
• Postal address
• Username and password
• Telephone and/or fax number
• Date of birth
• Demographic information
• Payment information (such as a credit card) and bank account details
• Future communication preferences
• Telephone number and recordings when you call our customer service line

Information we collect when you visit our sites, view our online ads or promotions, or use our other services

We use cookies and other technologies to collect information when you visit our site, click here to learn more.

Information C&R collects from other sources

We may obtain information about you from other sources, including publicly available sources, such as the Land Registry, social media platforms or referral agents, etc.  Examples of information we may collect from other sources are:

• Name
• Postal Address
• Email address
• Date of birth
• Income level
• Publicly observed activities or information made available by you to the public, such as blogs, videos, internet postings, and user generated content.

How C&R uses the information

We use the information we collect to provide you products, offers and services, to deliver to you advertisements, offers or other content tailored to your interests, and to conduct other C&R business operations.  The following are examples of how we may use the information we collect :

• Answer your questions or respond to your requests
• Develop new products and services
• Enrol you in contents, programs, or offers that you request
• Create and manage your account
• Process payment for purchases or other services
• Protect against or identify possible fraudulent transactions
• Develop and provide Marketing tailored to your interests, including interest-based marketing
• Analyse the use of, and develop, our products, services and marketing. Enforce our Terms and Conditions and otherwise manage our business.

HNG will only process your information in pursuance of our legitimate interest if we receive any requests related to, for example, a product or service, a call-back, or specific marketing materials; we will use your personal information to fulfil your request.  Where we need to manage your account and protect you against or identify possible fraudulent transactions, we will do so in accordance with our legal obligation placed on us under law.  We will seek consent from you if we need to process your data solely identified purposes.  To ensure meaningful consent is obtained from you, C&R will provide you with reasonable notice ensuring that your consent is provided on an informed basis.

Information Sharing

The success of our business depends on your trust, and we do not sell your personal information to marketers outside of C&R.  We share your personal information within C&R and as described in this statement.  We do not share personal information with marketers outside of C&R unless you consent to such sharing, or as described within this statement.

Other Situations

We may transfer or otherwise process your personal information  :

• As part of the sale of an C&R brand to another company.
• When we have received your instruction to pass the sale of your property to another agent
• To protect, defend or exercise the rights and property of HNG (including enforcing our Terms and Conditions)
• When required by law and / or government authorities

Personal Information Retention Period

We will retain Personal Information for the period necessary to fulfil the purposes outlined in this Privacy Statement, unless a longer retention period is required or permitted by law.

Aggregated and non-personal information

We share aggregated and / or anonymous information that does not identify you for C&R business purposes.  For example, we may disclose the number of visitors to C&R sites or services.  We may also share aggregated and / or anonymous information with our business partners for their own business purposes.

Your communication options

We give you choices about how to communicate with you.

Email Communications

You can stop receiving promotional email messages from C&R by following the opt-out instructions provided in any such message you receive.

Postal Mail

You can stop receiving promotional postal mail from C&R by following the opt-out instructions that may be included within those communications.

You and your Information

To the extent provided for by applicable law, you have certain rights in respect of the management of the personal data we hold about you.

Access & Deletion

We take steps to keep your personal information accurate. If you wish us to erase your data, please contact us at enquiries@cowanandrutter.co.uk and we will deal with your request as necessary under applicable law.

Other Rights

To the extent provided by applicable law, you have the right to request rectification of your personal data; to obtain restriction of the processing of personal data; to object to the processing of personal data (including direct marketing) and to date portability.  To exercise any of these rights, please contact us at enquiries@cowanandrutter.co.uk.

Consent

Where you have consent for our processing of your personal data, you may withdraw that consent at any time by contacting us at enquiries@cowanandrutter.co.uk.  We will cease processing your personal data as soon as reasonably practicable following our receipt of your withdrawal.

Complaints

If you consider that we have processed personal data in violation of applicable law, please contact us at enquiries@cowanandrutter.co.uk.  If you consider that we have processed personal data in violation of applicable law and failed to remedy such violation to your reasonable satisfaction, you may also lodge a complaint with a supervisory authority (e.g. the Information Commissioner in the UK).

We Respect your Privacy

You can limit your receipt of interest-based marketing on C&R website.

Information Security

C&R is committed to keeping personal information secure.  We have implemented technical;, administrative and physical procedures designed to protect personal information from loss, misuse or alteration.

Updates to our Privacy Statement

We will post changes to this Privacy Statement indicate the effective date when this Privacy Statement is updated.  If we make any material changes to this Privacy Statement, we will notify you by sending an e-mail to the e-mail address you most recently provided us or by posting notice of the changes on this site.