LMMT

You should read these website terms and conditions (“Terms”) carefully before using this website. Using the Site indicates that you accept these terms regardless of whether or not you choose to utilise our services. If you do not accept these terms, do not use the website. You should also read the Terms and Conditions about the services on this website.

  1. About our Terms
    1. 1.1 These Terms explain how you may use this website (the Site).

      1.2 References in these Terms to the Site includes and all associated web pages.

      1.3 You should read these Terms carefully before using the Site.

      1.4By accessing or using the Site or otherwise indicating your consent, you agree to be bound by these Terms and the documents referred to in them.

      1.5 If you do not agree with or accept any of these Terms, you should stop using the Site immediately.

      1.6 If you have any questions about the Site, please contact us by e-mail: (the majority of email enquiries shall be answered within 24 hours Monday to Friday 9am to 5pm).

      1.7 Definitions

      "Content" means any text, images, video, audio or other multimedia content, software or other information or material submitted to or on the Site;

      "Terms and Conditions" means the terms and conditions which will apply to you when you utilise our services via the Site;

      "Site" has the meaning given to it in clause 1.1;

      "Terms" means these terms and conditions of use as updated from time to time under clause 11;

      "Unwanted Submission" has the meaning given to it in clause 5.1;

      "we" means , (and “us” or “our” shall have the same meaning); and

      "you" means the person accessing or using the Site or its Content (and your shall have the same meaning).

      1.8 Your use of the Site means that you must also comply with our Terms and Conditions, where applicable.

  2. Using the Site
    1. 2.1 You agree that you are solely responsible for:

        2.1.1 all costs and expenses you may incur in relation to your use of the Site; and

        2.1.2 keeping your password and other account details confidential.

      2.2 The Site is intended for use only by those who can access it from within the UK. If you choose to access the Site from locations outside the UK, you are responsible for compliance with local laws where they are applicable.

      2.3 We seek to make the Site as accessible as possible. If you have any difficulties using the Site, please contact us at .

      2.4 We may prevent or suspend your access to the Site if you do not comply with any part of these Terms, any terms or policies to which they refer or any applicable law.

  3. Your privacy and personal information
    1. 3.1 Your privacy and personal information are important to us. Any personal information that you provide to us will be dealt with in line with our privacy and cookie policy, which explains what personal information we collect from you, how and why we collect, store, use and share such information, your rights in relation to your personal information and how to contact us and supervisory authorities in the event you have a query or complaint about the use of your personal information.

      3.2 Our privacy policy is available at /terms-and-conditions

  4. Ownership, use and intellectual property rights
    1. 4.1 The Site and all intellectual property rights in it including but not limited to any Content are owned by us. Intellectual property rights means rights such as: copyright, trade marks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind whether or not they are registered or unregistered (anywhere in the world). We reserve all of our rights in any intellectual property in connection with these Terms. This means, for example, that we remain owners of them and free to use them as we see fit.

      4.2 Nothing in these Terms grants you any legal rights in the Site other than as necessary to enable you to access the Site. You agree not to adjust to try to circumvent or delete any notices contained on the Site (including any intellectual property notices) and in particular in any digital rights or other security technology embedded or contained within the Site.

      4.3 Our trade marks and trade names will be used on the Site. The use of any trade marks on the Site is strictly prohibited unless you have our prior written permission.

  5. Submitting information to the Site
    1. 5.1 While we try to make sure that the Site is secure, we cannot guarantee the security of any information that you supply to us and therefore we cannot guarantee that it will be kept confidential. For that reason, you should not let us have any patentable ideas or patent applications, advertising or marketing suggestions, prototypes, or any other information that you regard as confidential, commercially sensitive or valuable (Unwanted Submissions). While we value your feedback, you agree not to submit any Unwanted Submissions.

      5.2 We may use any Unwanted Submissions as we see reasonably fit on a free-of-charge basis (bear in mind that we have no way of knowing whether such information is confidential, commercially sensitive or valuable because we do not monitor the Site to check for these matters). Therefore, we will not be legally responsible for keeping any Unwanted Submissions confidential nor will we be legally responsible to you or anybody else for any use of such Unwanted Submissions.

  6. Accuracy of information and availability of the Site
    1. 6.1 While we try to make sure that the Site is accurate, up-to-date and free from bugs, we cannot promise that it will be. Furthermore, we cannot promise that the Site will be fit or suitable for any purpose. Any reliance that you may place on the information on the Site is at your own risk.

      6.2 We may suspend or terminate operation of the Site at any time as we see fit.

      6.3 Content is provided for your general information purposes only and to inform you about us and our products and news, features, services and other websites that may be of interest. It does not constitute technical, financial or legal advice or any other type of advice and should not be relied on for any purposes.

      6.4 While we try to make sure that the Site is available for your use, we do not promise that the Site is available at all times nor do we promise the uninterrupted use by you of the Site.

  7. Hyperlinks and third party sites
  8. The Site may contain hyperlinks or references to third party websites other than the Site. Any such hyperlinks or references are provided for your convenience only. We have no control over third party websites and accept no legal responsibility for any content, material or information contained in them. The display of any hyperlink and reference to any third party website does not mean that we endorse that third party's website, products or services. Your use of a third party site may be governed by the terms and conditions of that third party site.

  9. Limitation on our liability
    1. 8.1 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

      8.2 Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any services to you, which will be set out in the relevant agreement between us and you.

      8.3 If you are a business user:

        8.3.1 We exclude all implied conditions, warranties, representations or other terms that may apply to our Website or any content on it.

        8.3.2 We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

        (a) use of, or inability to use, our Website; or

        (b) use of or reliance on any content displayed on our Website.

        8.3.3 In particular, we will not be liable for:

        (a) loss of profits, sales, business, or revenue;

        (b) business interruption;

        (c) loss of anticipated savings;

        (d) loss of business opportunity, goodwill or reputation; or

        (e) any indirect, special or consequential loss or damage.

      8.4 If you are a consumer user:

        8.4.1 Please note that we only provide our Website for domestic and private use. You agree not to use our Website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

        8.4.2 We will not be liable to you for losses that:

        (a) were not foreseeable to you and us when these Terms were formed; or

        (b) that were not caused by any breach on our part.

  10. Events beyond our control

    We shall have no liability to you for any breach of these Terms caused by any event or circumstance beyond our reasonable control including, but not limited to, strikes, lock-outs or other industrial disputes; breakdown of systems or network access; or flood, fire, explosion or accident.

  11. Rights of third parties

    No one other than a party to these Terms has any right to enforce any of these Terms.

  12. Variation

    These Terms are dated 10th June 2019. No changes to these Terms are valid or have any effect unless agreed by us in writing or made in accordance with this clause 11. We reserve the right to vary these Terms from time to time. Our updated Terms will be displayed on the Site and by continuing to use and access the Site following such changes, you agree to be bound by any variation made by us. It is your responsibility to check these Terms from time to time to verify such variations.

  13. Disputes
    1. 12.1 We will try to resolve any disputes with you quickly and efficiently.

      12.2 If you are unhappy with us please contact us as soon as possible.

      12.3 If you and we cannot resolve a dispute using our complaint handling procedure, we will:

        12.3.1 let you know that we cannot settle the dispute with you; and

        12.3.2 give you certain information about our alternative dispute resolution provider.

      12.4 If you want to take court proceedings, the relevant courts of the United Kingdom will have exclusive jurisdiction in relation to these Terms.

      12.5 Relevant United Kingdom law will apply to these Terms.

Privacy & Cookies

Why you should read this policy

We ask that you read this Privacy Policy carefully as it contains important information on who we are, how and why we collect, store, use and share personal information, your rights in relation to your personal information and on how to contact us and supervisory authorities in the event you have a complaint.

Who we are

(Website) is brought to you by . We take the privacy of our customer and Website visitors very seriously. We ask that you read this privacy policy (Policy) carefully as it contains important information about how we will use your personal data.

(‘We’ or ‘us’) collect, use and are responsible for certain personal information about you. When we do so we are regulated under the General Data Protection Regulation which applies across the European Union (including in the United Kingdom) and the Data Protection Act 2018. We are responsible as ‘controller’ of that personal information for the purposes of those laws.

Our collection and use of your personal information

Information that you provide

We will obtain personal information you provide when you send us feedback, submit data onto our website or over the phone, post material, complete forms, report a problem with the website, contact us for any reason and by any medium, sign up for a service and share information via the website’s social media functions.

We may collect, store or process data that is labelled as sensitive under the General Data Protection Regulation 2018 (‘GDPR’). If such data is requested, you will be given additional information as to why the sensitive personal data is being requested and how it will be used, often this will be required to provide you with our services.

We may retain a record of any contact you make with us.

The personal information we collect about you depends on the particular activities carried out and the reason for the processing. Such information includes, but is not limited to:

  • your name, address and contact details;
  • Salary amount;
  • Finance detail, such as income, outgoings & savings;
  • special category data such as health information;
  • details of any feedback you give us by phone, email, post or via social media; and
  • information about the services we provide to you.

Personal information about other individuals

If you give us information on behalf of someone else, you confirm that the other person has appointed you to act on his/her behalf and has agreed that you can:

  • give consent on his/her behalf to the processing of his/her data;
  • receive on his/her behalf any data protection notices;
  • give consent to any transfer of his/her data.

Information from third parties

Occasionally we may receive information about you from other sources, which will be added to the information already held about you in order for us to help supply our services and products to you.

Information that will be collected automatically

Cookies: We may monitor your use of the Website through the use of cookies and similar tracking devices. For example, we may monitor how many times you use the Website, which pages you go to and traffic data. This information helps to build a profile of users to the Website. Some of this data will be aggregated or statistical, which means that we will not be able to identify you individually. For further information on the use of cookies on the Website, please see the sections on cookies below.

How your personal data will be used

Under data protection law, we can only use your personal information if we have a proper reason for doing so, e.g.:

  • to comply with our legal and regulatory obligations;
  • for the performance of our contract with you or to take steps at your request before entering into a contract;
  • for our legitimate interests or those of a third party; or
  • where you have given consent.

A legitimate interest is when we have a business or commercial reason to use your information, so long as this is not overridden by your own rights and interests.

The table below explains what we use (process) your personal information for and our reasons for doing so:

What we use your personal information for Our reasons
Conducting checks to identify our customers and verify their identity; To comply with our legal and regulatory obligations.
Operational reasons, such as improving efficiency, training and quality control; For our legitimate interests or those of a third party, i.e. to be as efficient as we can so we can deliver the best service for you.
Statistical analysis to help us manage our business, e.g. in relation to our financial performance, customer base or other efficiency measures; For our legitimate interests or those of a third party, i.e. to be as efficient as we can so we can deliver the best service for you.
Updating customer records; For the performance of our contract with you or to take steps at your request before entering into a contract To comply with our legal and regulatory obligations For our legitimate interests or those of a third party.
Marketing our services to: —existing and former customers; —third parties who have previously expressed an interest in our services; —third parties with whom we have had no previous dealings. For our legitimate interests or those of a third party, i.e. to promote our business to existing and former customers.
We may monitor and record communications with you (such as telephone conversations and emails) for the purpose of quality assurance, training, fraud prevention and compliance; For our legitimate interests or those of a third party, i.e. to ensure our employees are trained to provide you with the best possible service.
To notify you of changes to the Website or to our services that may affect you, such as new features; For our legitimate interests or those of a third party, i.e. to ensure you’re up to date with new features.

Disclosure of your personal data

We routinely share personal information with:

  • third parties we use to help deliver our services to you, e.g. marketing agencies, website hosts or payment providers;
  • third parties approved by you, e.g. social media sites you choose to link your account to or third-party payment providers;
  • our bank.

We only allow our service providers to handle your personal information if we are satisfied they take appropriate measures to protect your personal information. We also impose contractual obligations on service providers relating to ensure they can only use your personal information to provide services to us and to you. We may also share personal information with external auditors, e.g. in relation to ISO accreditation and the audit of our accounts.

We may disclose and exchange information with law enforcement agencies and regulatory bodies to comply with our legal and regulatory obligations.

We may also need to share some personal information with other parties, such as potential buyers of some or all of our business or during a re-structuring. Usually, information will be anonymised but this may not always be possible. The recipient of the information will be bound by confidentiality obligations.

Transfer of your information out of the EEA

To deliver services to you, it is sometimes necessary for us to share your personal information outside the European Economic Area (EEA), e.g.:

  • with your and our service providers located outside the EEA;
  • if you are based outside the EEA;
  • where there is an international dimension to the services we are providing to you.

These transfers are subject to special rules under European and UK data protection law.

Non-EEA countries do not have the same data protection laws as the United Kingdom and EEA. We will, however, ensure the transfer complies with data protection law and all personal information will be secure.

For example, for servers located in the US, we would look for compliance with the EU-US Privacy Shield Framework, which offers compliance with EU data protection requirements when transferring personal data from the European Union to the United States. You can find more information about Privacy Shield at https://www.privacyshield.gov/welcome. You can also check specific companies’ certification at https://www.privacyshield.gov/participant_search.

Marketing

We may use your personal information to send you updates (by email, text message, telephone or post) about our services including new features, news posts etc.

We have a legitimate interest in processing your personal information for promotional purposes. This means we do not usually need your consent to send you promotional communications. However, where consent is needed, we will ask for this consent separately and clearly.

We will always treat your personal information with the utmost respect and never share it with other organisations outside of for marketing purposes.

You have the right to opt out of receiving promotional communications at any time by:

  • contacting us at

We may ask you to confirm or update your marketing preferences if you instruct us to provide further services in the future, or if there are changes in the law, regulation, or the structure of our business.

Your Rights

Under the General Data Protection Regulations (GDPR), you have the following rights:

  • You have the right to be informed about the collection and use of your personal data.
  • You have the right of access to your personal records or other information that we hold about you. We reserve the right to charge a reasonable fee for our administrative costs involved with providing you with access if we receive a request which is manifestly unfounded or excessive to access personal records. We may also charge a reasonable fee, in relation to administrative costs, if further copies of your data is requested following your initial request.
  • You have the right to rectify any errors in the data we hold about you. If any data or information we hold about you is inaccurate, or out of date, please contact us and we will correct this immediately.
  • You may have the right to have the data we hold about you erased.
  • You have the right to restrict processing.
  • You have the right to ask us to stop processing your personal data for direct marketing purposes. You may also specify that you object to direct marketing by particular channels such as by email or telephone. If this is the case, please specify the channels you are objecting to in your communications with us.
  • You have the right to data portability. If you wish to obtain your data for your own purposes across different services, we will provide this information to you in an electronic format such as a PDF file, CSV file or via other electronic means. We reserve the right to charge a reasonable fee for the administrative costs of complying with any requests that are manifestly unfounded or excessive.
  • You have the right not to be subject to automated decision-making, including profiling.

To revise your consent, request access, amend or remove your records or assert any of your rights set out above, you should send your request in writing to us at , You may need to provide proof of identity and address (e.g. a copy of your driving licence or passport, and a recent utility or credit card bill); and specify the personal data you want access to, amended or removed.

How long we will store your data

We will keep your personal information while you have an account with us or we are providing services to you. Thereafter, we will keep your personal information for as long as is necessary:

  • to respond to any questions, complaints or claims made by you or on your behalf;
  • to show that we treated you fairly;
  • to keep records required by law.

We will not retain your personal information for longer than necessary for the purposes set out in this policy. Different retention periods apply for different types of personal information.

When it is no longer necessary to retain your personal information, we will delete or anonymise it.

Children

Due to the nature of our business, we do not process the personal data of any individual under the age of 16. In using our services, you confirm that you are over the age of 16 and have read and consented to this Policy.

Keeping your personal information secure

We have appropriate security measures in place to prevent personal information from being accidentally lost or used or accessed in an unauthorised way. We limit access to your personal information to those who have a genuine business need to know it. Those processing your information will do so only in an authorised manner and are subject to a duty of confidentiality. We also confirm that your data will be stored on secure servers.

If you want detailed information from Get Safe Online on how to protect your information and your computers and devices against fraud, identity theft, viruses and many other online problems, please visit www.getsafeonline.org. Get Safe Online is supported by HM Government and leading businesses.

Use of cookies

A cookie is a small text file which is placed onto your computer (or other electronic device) when you access the Website. We use cookies and other online tracking devices on the Website to:

  • obtain information about your website preferences and tailor its operations to your needs;
  • identify which pages are being used, helping us to analyse data about web page traffic and ways to improve our website in order to tailor it better to our customer needs;

The information we obtain from the use of cookies will not usually contain your personal data. Although we may obtain information about your device such as your IP address, your browser and/or other internet log information, this will not usually identify you personally. In certain circumstances we may collect personal information about you, but only where you voluntarily provide it.

In most cases we will need your consent in order to use cookies on this Website. The exception is where the cookie is essential in order for us to provide you with a service you have requested.

Description of cookies

The cookies that we utilise on our Website are placed to fulfil such functions as analysing how you use the Website to give you a better and more personalised experience, generate statistical data and allow visitors to share content with a range of networking and sharing platforms.

Some of the cookies we utilise on our Website include:

Cookie Name Cookie Description
XSRF-TOKEN

Purpose: Strictly necessary

This cookie helps with site security.

laravel_session Purpose: identifying a session instance for a user
_ga

Purpose: Performance

This cookie is associated with Google Universal Analytics and is used to distinguish users.
_gid

Purpose: Performance

This cookie is associated with Google Universal Analytics.
_gat_gtag_UA_140232545_1

Purpose: Targeting/Advertising

This cookie carries information about how the end user uses the website.
CONSENT

Purpose: Targeting/Advertising

This cookie carries information about how the end user uses the website.
NID

Purpose: Targeting/Advertising

This cookie helps build a profile of interests and show relevant ads.

How to turn off cookies

If you do not want to accept cookies, you can change your browser settings so that cookies are not accepted. If you do this, please be aware that you may lose some of the functionality of the Website. For further information about cookies and how to disable them please go to: www.aboutcookies.org or www.allaboutcookies.org.

Changes to this Policy

This privacy notice was last updated on 6th June 2019.

We may change this Policy from time to time. You should check this policy frequently to ensure you are aware of the most recent version that will apply each time you use the Website.

How to contact us

Please contact us if you have any questions about this privacy notice or the information we hold about you.

If you wish to contact us, please send an email to write to ().

Concerns and Questions

We hope that we can resolve any query or concern you raise about our use of your information.

The General Data Protection Regulation also gives you right to lodge a complaint with a supervisory authority, in particular in the European Union (or European Economic Area) state where you work, normally live or where any alleged infringement of data protection laws occurred. The supervisory authority in the UK is the Information Commissioner who may be contacted at https://ico.org.uk/concerns/ or telephone: 0303 123 1113.