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Terms and Conditions of Use

These are the terms and conditions of use (these “Terms and Conditions”) of the Fourex.co.uk website (the “Website”) and Fourex machines or kiosks that we operate in the UK (“Kiosks”).

Date of Last Revision: 20th April 2015.

You, us, the importance of the Terms and your agreement

PLEASE READ THESE TERMS AND CONDITIONS (WHICH ALSO INCLUDE THE PRIVACY AND COOKIES POLICY AT THE END OF THIS DOCUMENT) CAREFULLY, BECAUSE THEY CONTAIN IMPORTANT INFORMATION ABOUT YOUR USE OF AND ACCESS TO THE WEBSITE AND KIOSKS AND OUR PRODUCTS AND SERVICES. PLEASE ALSO READ ANY OTHER TERMS OF USE AVAILABLE AT THE KIOSK AS THEY ARE APPLICABLE TO YOUR USE OF THE KIOSK.

BY ACCESSING OR USING THE WEBSITE OR KIOSKS OR OUR PRODUCTS OR SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS, TOGETHER WITH ANY OTHER TERMS OF USE AVAILABLE AT THE KIOSK AS ARE APPLICABLE TO YOUR USE OF THE KIOSK AND ANY TRANSACTIONS YOU CONDUCT ON OR THROUGH THE KIOSK.

We” are Coino (UK) Ltd, a company registered in England under registration number 08691499 with registered office at 3rd Floor, 207 Regent Street, London W1B 3HH, and “us” or “our” shall be construed accordingly. “You” refers to any user of the Fourex.co.uk website (the “Website”) or Fourex machines or kiosks in the UK that we operate (“Kiosks”) or our products or services, and “your” shall be construed accordingly. The Website, Kiosks and our products or services are the “Services”.

As between you and us, we own all rights in the “FOUREX” brand. These Terms and Conditions, together with any other applicable terms referred to in these Terms and Conditions or any other terms and conditions agreed in writing (which includes electronically) between you and us (together, the "Terms") apply to your access to and use of the Website, Kiosks and our products or services (together, the "Services").

If you do not agree to any of the Terms, do not use the Services.

Please refer to our Privacy and Cookies Policy at the end of this document for information about how we collect, use and disclose data about users of the Services.

If you are using the Services on behalf of any entity, you represent and warrant that you are authorised to accept the Terms on such entity's behalf, and that such entity agrees to be responsible to us if you breach the Terms.

We reserve the right to change or modify any of the Terms at any time and at our sole discretion. It is your responsibility to regularly review the Terms to ensure that you are up-to-date with the Terms that apply to the Services. If we make any changes to the Terms, we may make this clear by email, posting on the Website or updating the "Date of Last Revision" date above. Your continued use of the Services will confirm your acceptance of the revised Terms. We encourage you to frequently review the Terms to ensure you understand the Terms that apply to your use of the Services. If you do not agree to the amended Terms, you must stop using the Services.

You agree to comply at all times with any instructions for use of the Services which we make from time to time.

All questions or comments about the Services or their contents should be directed to info@fourex.co.uk.

Copyright and Limited Licence

Unless otherwise stated by us, the copyright, database rights and any other rights in all information, data, text, designs, CAD (computer aided design), drawings, artwork, pictures, photographs, images, logos, graphics, software, music, sound files, videos, video files, other files, the selection and arrangement of any of them, and materials (together "Materials") on or through the Services and the design, layout, look and appearance of any of the Services is owned by us or licensed to us by our licensors. We give you a limited and revocable (at any time) right and licence to use such Materials or extracts from the Services on your local hard disk just in your ordinary course of accessing the Services in the way we intend and not for any other purpose, subject to the following:

a)     Your use of the Services and any Materials on or through the Services is for your internal, personal, private, non-assignable, non-sub licensable use only.

b)     Except to the extent provided by law, you must not use, copy, reproduce, republish, resell, post, broadcast or transmit any part of the Services or such Materials or attempt to make any commercial use of the Services or such Materials for any other purpose without our express prior written consent. This includes (but without limitation) not reproducing or storing any part of the Services or such Materials in any other website or in any public or private electronic retrieval system or service.

c)     Our copyright notice (ie © Coino UK Limited 2015 All rights reserved) or, where indicated, the notice of our licensors must appear in all electronic or hard copies of any such Materials or extracts from the Services.

d)     When you lawfully or with our consent copy, reproduce, republish, resell, post, broadcast, transmit, print or quote from any of the Services or such Materials, you must do so fairly and give due accreditation to us, our suppliers and the Services. You shall also do so in accordance with any restrictions which we stipulate on the Services.

e)     You must not in any way modify any Materials on or through the Services or create any derivative works.

f)     Any rights not expressly granted in the Terms or otherwise by us in writing are reserved and are strictly prohibited. Any breach of this will automatically terminate your right and licence described under this section.

You must also not use any data mining, robots or similar data gathering or extraction methods in respect of the Services or any Materials on or through the Services.

Eligibility

The Services are not targeted towards, nor intended for use by, anyone under the age of 18. For any user that is under the age of 18, you may only use the Services under the supervision of a parent or legal guardian who agrees to be bound by the Terms. By using the Services, you represent and warrant that you (a) have not been previously suspended or removed from the Services; and (b) have full power and authority to agree to the Terms and that, in doing so, you will not breach any other agreement to which you are a party.

Some areas or features of the Services may require you to register for an account and/or create a profile. When registering for an account, you cannot create an account name that incorporates a trade mark without authorisation from the trade mark owner. We reserve the right to remove or change any account names on behalf of any business or individual that holds legal claim, including trade mark rights, in those

names. In addition, when registering for an account or creating a profile, you agree to: provide accurate, current and complete information; maintain and promptly update your information; maintain the security of your password and accept all risks of unauthorised access to your account and the information you provide to us; and notify us without delay upon your discovery of any actual or suspected security breach related to the Services or your account.

Trade marks

COINO (UK) LTD, FOUREX INC LTD and the Coino (UK) Ltd and Fourex Inc Ltd names and logos and any other name or slogan or mark or brand contained in or on or through the Services are the trademarks or service marks of us or our suppliers or licensors and shall not be copied, imitated or used, in whole or in part, without our prior written permission or the applicable owner or licensor. Any authorised use of these trademarks or service marks must in any event be in accordance with our guidelines that we may provide from time to time.

You also agree not to use any metatags or any other hidden text utilizing “Coino”, "Coino (UK) Ltd", “Fourex” or any other name, trademark, service mark or product or service name or logo of us without our prior written permission. In addition, the look and feel of the Services, including all page headers, custom graphics, button icons and scripts, belong to us and may not be copied, imitated or used, in whole or in part, without our prior written permission. All other names, trademarks, service markets or product or service names and company names or logos mentioned in the Services are the property of their respective owners. Reference to any third party products, services, processes or other information, by trade name, trade mark, manufacturer, and supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by us or any other affiliation.

Hyperlinks

We grant to you a limited, non-exclusive right to create a text hyperlink to the Services (which, in the case of the Website, must be to the home page of the Website unless we otherwise agree in writing) for non- commercial purposes, provided such link does not portray us or any of the Services in a false, misleading, derogatory or defamatory manner and is fair and legal without damaging our reputation or taking advantage of it; and provided further that the linking site does not contain any adult or illegal material or any material that may be considered offensive, harassing or otherwise objectionable. You shall also not suggest expressly or impliedly that we have endorsed anyone else where this is not the case. This limited right may be revoked by us at any time. You shall not use our logo or other proprietary rights to link to the Services without our express prior written permission. Further, you shall not (without our prior written consent) use, frame or use framing techniques to enclose the Services or any of our names, logos, slogans, marks or brands, including (without limitation) any images found at the Services, the content of any text or the layout/design of any page or form contained on a page on the Services.

We make no claim or representation regarding, and accept no responsibility for, the quality, content, nature or reliability of any third party websites accessible by hyperlink from the Services, or websites linking to the Services. Such sites are not under our control and we are not responsible for the contents of any linked site or any link contained in a linked site, or any review, changes or updates to such sites. We provide these links to you “as is” and only as a convenience, and the inclusion of any link does not imply affiliation, endorsement or adoption by us of any site or any information contained therein. When you leave the Services, you should be aware that our terms and policies no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any site to which you navigate from the Services.

We may provide links to third party websites or services that contain financial or investment information about us. Access to such websites and the information contained in them is provided to those interested in the information on an “as is” and “as available” basis. We neither monitor nor have control over the content of third parties' statements or websites. Accordingly, we do not endorse or adopt those websites

or any information or content contained in them, including, without limitation, analysts' reports and stock quotes. We make no representations or warranties whatsoever regarding the accuracy or completeness of the content, information, or opinions of third party websites or other third party information that is identified on the Services. Users visit those websites and use the information contained therein at their own risk.

Third Party Content

We may provide third party content on the Services and may provide links to web pages and content of third parties (collectively, the "Third Party Content") as a service to those interested in this information. We do not control, endorse or adopt any Third Party Content and make no representation or warranty of any kind regarding the Third Party Content, including without limitation regarding its accuracy or completeness or how up-to-date it is. You acknowledge and agree that we are not responsible or liable in any manner for any Third Party Content and undertake no responsibility to update or review any Third Party Content. Users use such Third Party Content contained therein at their own risk.

Advertisements and Promotional Offers; Third Party Products and Services; Charitable Organisations

We may run advertisements and promotional offers from or involving third parties on the Services or may otherwise provide information about or links to third party products, services or programmes on the Services. In addition, we may advertise or make available through the Services certain programmes that enable you to obtain gift cards, coupons, discounts or other items from third party businesses. We do not endorse or recommend any such third parties and your business dealings or correspondence with, or participation in the promotional offers of, any such third parties, and any terms, conditions, warranties or representations associated with such dealings or promotional offers, are solely between you and such third party. We are not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or promotional offers or as the result of the presence of such third party adverts, third party advertisers or third party information on the Services.

Free Prize Draws, Competitions and Other Promotions

We may from time to time administer, operate or run free prize draws, competitions and other promotions (collectively "Promotions") on the Services and may also advertise and allow participation in Promotions via other methods (including, without limitation, in person or direct mail, by email or social media). Each Promotion has its own official rules and privacy policies, which will be made available to anyone who participates. Your participation in a Promotion is subject to and governed by the official rules and privacy policies for the Promotion that we make available. You must read and agree to the official rules and privacy policies for any Promotion before you participate in the Promotion. To the extent that there is any conflict or inconsistency between the Terms and the official rules and privacy policies for a Promotion, the official rules and privacy policies for that Promotion shall prevail.

Submissions

Separate and apart from User Content (defined below), you can submit questions, comments, suggestions, ideas, plans, notes, drawings, original or creative materials or other information, about us or the Services ("Submissions"). Submissions, whether submitted through the Services or otherwise, are non-confidential and shall become our sole property. We shall own, and you hereby assign to us, all right, title and interest, including without limitation all intellectual property rights, in and to such Submissions and we shall be entitled to the unrestricted use and dissemination of the Submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you. You agree to execute any documentation we require (in our sole discretion) to confirm such assignment to, and unrestricted use and dissemination by, us of such Submissions.

User Content and Interactive Services or Areas

The Services may include interactive areas or services ("Interactive Areas") in which you or other users may create, post or store content, messages, Materials, Product Reviews (as defined below), applications, code or other items or materials on the Services ("User Content"). You are solely responsible for your use of such Interactive Areas and use them at your own risk.

You agree that you own and control all of the rights to the User Content that you post or you otherwise have all necessary rights to post such User Content to the Services, and you agree not to use the Services or post, upload to, transmit, distribute, store, create or otherwise publish through the Services any User Content, in any way that is or may be considered any of the following:

  • fraudulent, criminal or unlawful;
  • in breach of any law, statute, regulation or byelaw of any applicable jurisdiction;
  • obscene, indecent, pornographic, vulgar, profane, racist, sexist, discriminatory, offensive, derogatory, harmful, harassing, threatening, embarrassing, malicious, abusive, hateful, menacing, defamatory or untrue;
  • inaccurate, misleading or out-of-date;
  • an infringement of any intellectual property rights (including without limitation copyright, patent, trade mark rights, trade secret and broadcasting rights) or rights in confidence, privacy or other rights of us or any third party. By posting any User Content, you represent and warrant that you have the lawful right to distribute and reproduce such User Content;
  • impersonates any person or entity or misrepresents a relationship or affiliation with a person or entity;
  • an unsolicited email or communication;
  • an infringement of someone’s privacy, data protection or confidentiality rights;
  • involves use, delivery or transmission of any viruses, unsolicited e-mails, Trojan horses, trap doors, back doors, Easter eggs, worms, time bombs, cancelbots or computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information;
  • contrary to any specific rule or requirement that we stipulate for the Services in relation to a particular part of the Services or generally; or
  • in our sole judgment, that is objectionable or which restricts or inhibits any other person from using or enjoying the Services (including without limitation the Interactive Areas), or which may expose us or our users to any harm or liability of any type, or which may be contrary to our interests.

You further agree that you will abide by the Terms and will not:

  • use the Services in any manner that could interfere with, disrupt, negatively affect or inhibit other users from fully enjoying the Services, or that could damage, disable, overburden or impair the functioning of the Services in any manner;
  • send any unsolicited or unauthorised advertising, solicitations, promotional materials, spam, junk mail, chain letters or pyramid schemes, or harvest or collect the email addresses or other contact information of other users from the Services for the purpose of sending spam or other commercial messages;
  • use any robot, spider, crawler, scraper or other automated means or interface not provided by us to access the Services or to extract data;
  • reverse engineer any aspect of the Services or do anything that might discover source code or bypass or circumvent measures employed to prevent or limit access to any area, content or code of the Services (except to the extent as otherwise expressly permitted by law);
  • use or attempt to use another's account without prior written authorisation from us and such user;
  • attempt to circumvent any content filtering techniques we employ, or attempt to access any service or area of the Services that you are not authorised to access;
  • attempt to indicate in any manner that you have a relationship with us or that we have endorsed you or any products or services for any purpose;
  • engage in any harassing, intimidating, predatory or stalking conduct;
  • develop any third party applications that interact with User Content and the Services without our prior written consent; or
  • use the Services for any illegal or unauthorised purpose or engage in, encourage, or promote any activity that breaches the Terms.

We accept no responsibility and assume no liability for any User Content posted, stored or uploaded by you or any third party, or for any loss or damage thereto. Your use of any third party material in the Services is at your own risk. Enforcement of the Terms (including relation to User Content or conduct rules) is solely at our discretion, and failure to enforce such Terms in any instance does not constitute a waiver of our right to enforce such rules in other instances. In addition, these rules do not create any private right of action on the part of any third party or any reasonable expectation that the Services will not contain any content that is prohibited by such Terms. We are not liable for any statements, representations or User Content provided by our users or any third party. Although we have no obligation to screen, edit or monitor any of the User Content posted in any Interactive Area, we reserve the right, and have absolute discretion, to remove, screen or edit any User Content posted or stored on the Services at any time and for any reason without notice, and you are solely responsible for creating backup copies of and replacing any User Content you post or store on the Services at your sole cost and expense. Any use of the Interactive Areas or other portions of the Services in breach of this section (User Content and Interactive Services or Areas) may result in, among other things, termination or suspension of your rights to use the Interactive Areas and/or the Services.

Product Reviews

We may provide specific opportunities for you to tell us or other users what you think about our Services ("Product Reviews"). If you take advantage of such a Product Review opportunity, you agree to state your opinions and experiences lawfully, honestly and in good faith and to reveal to others any conflict of interest or relationship that might influence your views (eg., if someone is paying or giving you something for free to encourage you to comment, you agree to make appropriate disclosures). All Product Reviews are strictly the opinion of the user posting such review, and we do not endorse or approve any such Product Reviews or have any responsibility or liability for the accuracy, appropriateness or content of such Product Reviews.

Rights in User Content

If you submit or post User Content to the Services, unless we indicate otherwise, you grant to us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, assignable and sub-licensable right and licence to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such User Content throughout the world in any media for any purpose (including, without limitation, marketing the Services) and to use the name that you submit in connection with such User Content. You agree that you waive your moral rights to be identified as the author and we may modify your User Content.

The views and comments on User Content are those of the authors and do not necessarily reflect the views of us or any of our officers or employees. We will not be responsible for liable for any material, information or data supplied by anyone and accessible from the Services.

Press Releases

The information contained within press releases issued by us should not be deemed accurate or current except as of the date the release was posted. We have no intention of updating, and specifically disclaim any duty to update, the information in the press releases. Any forward-looking information in a press release is not a guarantee that it will happen.

Cash limits

In respect of each transaction conducted by you when using the Services, we may take a photograph and require you to supply photograph identification before continuing with the transaction above a certain threshold (which may be €950 or £650 or such other threshold from time to time). This is in order to enable us to comply with legal and regulatory requirements.

Indemnity

You agree to fully and promptly defend, indemnify, keep indemnified and hold harmless us from and against any and all claims, damages, proceedings, costs, expenses, demands, liabilities, losses, charges and costs which we may suffer or incur arising out of or related to your breach of the Terms.

Disclaimer, and availability of the Services, Security and Accuracy

Whilst we endeavour to make the Services available 24 hours a day, the Services are provided on an “as is” and “as available” basis and we will not be liable if for any reason the Services are unavailable at any time or for any period. We make no warranty that your access to the Services will be uninterrupted, current, timely or error-free. In addition, we may occasionally need to carry out repairs, maintenance or introduce new facilities and functions.

Access to the Services may be suspended or withdrawn to or from you personally or all users temporarily or permanently at any time and without notice. We may also impose restrictions on the length and manner of usage of any part of the Services for any reason. If we impose restrictions on you personally, you must not attempt to use the Services under any other name or user.

We do not warrant that the Services will be compatible with all hardware and software which you may use. Although we may put in place security measures for your protection, we shall not be liable for damage to, or viruses or other code that may affect, any computer equipment, software, data or other property as a result of your access to or use of the Services or your obtaining any material from, or as a result of using, the Services. We shall also not be liable for the actions of third parties in breaching any security measures and you should use industry-standard software to avoid anything harmful to you or your computer or device.

We may change, modify, update, suspend or discontinue the Services or any features or functionality and anything described in it without notice, obligation or liability to you.

Whilst we endeavour to ensure that information and materials on the Services are correct, no warranty, express or implied, is given that they are complete, accurate or up-to-date and we do not accept any liability for any errors or omissions.

The contents of the Services are intended for convenience only. Nothing on the Services shall constitute advice specific to your circumstances or a recommendation. We do not suggest that any product or service mentioned on the Services are either available to you outside of the United Kingdom or any other

territory in the European Union where we make Kiosks available (and then only on an “as available” basis) or complies with any laws other than the laws of England and Wales (or such territory).

Limitation of Liability

We accept liability for death or personal injury caused by our negligence, or for our fraudulent misrepresentation or for any liability that we cannot exclude or limit at law. Subject to the previous sentence:

(1) our maximum liability (whether in contract, tort, negligence, misrepresentation, restitution or under any legal head of liability) in relation to your use or inability in use or delay in use of the Services or any Materials in them or accessible from them or from any action or decision taken as a result of using the Services or any such Materials shall be:

(a) in respect of each transaction conducted by you when using the Services, the greater of: (i) £100 or (ii) the amount of money received by us from you in that transaction; and

(b) otherwise in respect of your use of the Services (and not in respect of any transactions), the sum of £100 in any 12 month period; and

(2) we shall not have any liability (whether in contract, tort, negligence, misrepresentation, restitution or under any legal head of liability) in relation to your use or inability to use or delay in use of the Services or any Materials in them or accessible from them or from any action or decision taken as a result of using the Services or any such Materials for any: (a) indirect or consequential losses, damages, costs or expenses; (b) loss of actual or anticipated profits; (c) loss of contracts; (d) loss of use of money; (e) loss of anticipated savings; (f) loss of revenue; (g) loss of goodwill; (h) loss of reputation; (i) ex gratia payments; (j) loss of business; (k) loss of operation time; (l) loss of opportunity; or (m) loss of, damage to or corruption of, data; whether or not such losses were reasonably foreseeable or we had been advised of the possibility of you incurring such losses. For the avoidance of doubt, (b) to (m) apply whether such losses are direct, indirect, consequential or otherwise.

No Third Party Beneficiaries

The Terms are for the benefit of, and will be enforceable by you and us only. The Terms are not intended to confer any right or benefit on any third party or to create any obligations to any such third party.

Law and Jurisdiction

The Terms and any dispute or claim arising out of or in connection with the Terms (including without limitation non-contractual disputes or claims) shall be governed by and construed in accordance with English law. You and we irrevocably agree that the English courts shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with the Terms or their subject matter or formation (including without limitation non-contractual disputes or claims). All dealings, correspondence and contacts between you and us shall be made or conducted in the English language.

Termination and Suspension

Notwithstanding anything else in these Terms, we reserve the right, without notice and in our sole discretion, to terminate or suspend your licence to use the Services, in whole or in part, and to block or prevent future your access to and use of the Services.

Severability

If any provision of the Terms shall be deemed to be illegal, unlawful, void, invalid or for any reason unenforceable by reason of the laws of any state or country in which the Terms are intended to be effective, then that provision shall be deemed severed and deleted from the rest of the Terms and shall not affect the validity and enforceability of any remaining provisions, and the remaining Terms shall survive, remain in full force and effect and continue to be binding and enforceable.

Contacting Us

If you need to contact us, you may do so at the following: Fourex Inc Ltd, 3rd Floor, 207 Regent Street, London, W1B 3HH; email at info@fourex.co.uk; website at www.fourex.co.uk.

Privacy and Cookies Policy

About you and us and this Privacy and Cookies Policy

We” are Coino (UK) Ltd, a company registered in England under registration number 08691499 with registered office at 3rd Floor, 207 Regent Street, London W1B 3HH, and “us” or “our” shall be construed accordingly. “You” refers to any user of the Fourex.co.uk website (the “Website”) or Fourex machines or kiosks in the UK that we operate (“Kiosks”) or our products or services, and “your” shall be construed accordingly. The Website, Kiosks and our products or services are the "Services".

This Privacy and Cookies Policy describes how data is collected, used and disclosed by us in connection with the Services. Please note that we may have additional policies regarding your data for particular parts of the Services, such as in respect of promotions. Those additional policies also apply in addition to this one in respect of those particular parts of the Services.

Your privacy is very important to you and us. We shall therefore only collect, use and keep your name and other data which relates to you in the manner set out in this Privacy and Cookies Policy and in a way which complies with UK data protection and cookies laws.

If you have questions or concerns about our privacy and data protection practices, please contact us at info@fourex.co.uk.

Date of Last Revision: 20th April 2015.

Collection of Data

We may collect data about you in various ways:

Data you provide to us. We collect data you provide directly to us, such as your name, email address, user name, passport, password (if applicable), birthday, postal address, post code, phone number, photographs, videos, social media usernames, demographic data, and any other data you choose to provide.

Data we collect when you use our Services including in promotions. We automatically collect data about you when you use our Services and we may tie this to data we otherwise collect about you. For example, we may collect:

  • Transaction data: When you use our Kiosks, we collect data about your transaction, including but not limited to the transaction amount, date, time, and location, and we may take a photograph and require you to supply photograph identification before continuing with the transaction. In some cases (such as a transaction above a certain threshold (which may be €950 or £650 or such other threshold from time to time)), we may also capture images and data using photo or video surveillance cameras installed on or by our Kiosks. We may also collect data about your driver’s licence or other identification documents, and data about the gift cards you wish to exchange and your credit card data.
  • Log data: When you visit our Website, some data is automatically logged, such as your computer's operating system, Internet Protocol ("IP") address, access times, browser type and language, and the website you visited before our Website.
  • Data collected by cookies: For more information, please see the section on Cookies below.
  • Data collected by web beacons: We may collect information using web beacons. Web beacons are electronic images that may be used on our websites or in our emails. We use web beacons to deliver cookies, count visits, understand usage and campaign effectiveness and to tell if an email has been opened and acted upon.

Data we collect from other sources. We may also receive data about you from other sources and link or combine it with information we collect about you.

We may also collect data from you when you interact with us by communicating with us in any way including (without limitation) on social networking sites where we have an official presence; or otherwise.

Use of Data We Collect

We use data collected through our Services for purposes described in this Privacy and Cookies Policy or disclosed to you in connection with our Services. For example, we may use data about you to:

  • operate and allow you to use our Services;
  • improve our Services;
  • maintain and administer your accounts and membership profiles;
  • process and deliver promotion entries and rewards;
  • monitor and analyse trends, usage and activities in connection with our Services;
  • personalise the Services and provide content and features that are targeted towards your interests;
  • facilitate your relationship with third parties who offer services that you choose to use;
  • respond to your comments and questions you may have and provide you with customer service;
  • provide and deliver Services and send you related information, including confirmations, notices, updates, alerts, surveys and support and administrative messages;
  • communicate with you about new promotions and rewards, upcoming events and other news and information about our Services including with newsletters;
  • detect, investigate and prevent fraudulent transactions and other illegal activities and protect our rights and property;
  • prevent crime and for the purposes of complying with anti-money laundering / AML laws and regulations and for public safety; and
  • link or combine information about you with other information we get from third parties, to help understand your needs and provide you with better service and for training and regulatory control purposes.
  • By accessing or using our Services or otherwise providing data to us, you consent to the processing and transfer of information to us.

Sharing of Data

We may share data about you with third parties as follows:

  • with third party vendors, consultants and other service providers who are working on our behalf and need access to such data to carry out their work for us;
  • when you sign up for and participate in the interactive areas of our Services or in promotions or with third party services, certain data about you may be displayed publicly, such as your name, photos and any other data you choose to provide;
  • in response to a request for data if we believe disclosure is in accordance with any applicable law, regulation or legal process, or as otherwise required by any applicable law, rule or regulation;
  • with crime prevention agencies on request;
  • in connection with, or during negotiations of, any merger, sale of company assets, financing or transfer of all or a portion of our business to another entity; and
  • with your consent or at your direction.

We may also share aggregated or anonymised information that does not directly identify you.

Other than as set out in this Privacy and Cookies Policy, we shall NOT sell or disclose your personal data to third parties without obtaining your prior consent unless this is necessary for the purposes set out in this Privacy and Cookies Policy or unless we are required to do so by law.

Social Sharing Features

The Services may offer social sharing features or other integrated tools, which let you share actions you take on the Services with other media, and vice versa. The use of such features enables the sharing of data with your friends or the public, depending on the settings you establish with the third party that provides the social sharing feature. For more information about the purpose and scope of data collection and processing in connection with social sharing features, please visit the privacy policies of the third parties that provide those features. We are not responsible for them.

Third Party Advertising

The Website may contain advertising of third parties, dedicated pages operated by third parties and links to third party websites or frames of other websites. Please be aware that we are not responsible for the privacy practices or content of those third parties or other websites or services, nor for any third party to whom we transfer your data in accordance with our Privacy and Cookies Policy.

Google Analytics

We may use Google Analytics. Google Analytics is a simple tool that helps website owners like us measure how users like you engage with our website and the content we have on our website. Google Analytics uses “first-party cookies”, which report on how you use our website. These cookies do not store personally identifiable information.

This may let us collect information about your computer, including your IP address, to help us to manage the website and to create reports that tell us about how users browse on our site and their patterns of use.

When we use Google Analytics, this helps us to help you, so we can improve our website.

Cookies contain information that is on your computer’s hard drive. These cookies store information, such as the time that a visit occurred, whether the visitor has been to our site before and which site referred the visitor to our web page.

But Google Analytics does NOT identify any person.

Generic Data

We may aggregate and anonymise data relating to you so that the aggregated and anonymised data does not identify you or any individual personally. We may supply that aggregated and anonymised data to any third party without recourse to you or any other user.

Security of Data

We take reasonable measures to help protect data about you in an effort to prevent accidental loss, misuse and unauthorised access, disclosure, alteration and destruction.

We store your personal details on a secure server. We use industry standard security and firewalls on our servers. If we collect payment card details electronically, we use encryption by using industry standards. Whilst we are unable to guarantee 100% security, this makes it hard for a hacker to decrypt your details.

We maintain physical, electronic and procedural safeguards in connection with the collection, storage and disclosure of your data. Our security procedures mean that we may request proof of identity before we disclose personal data to you.

You are responsible for protecting against unauthorised access to your password and to your computer.

Information Choices and Changes

Account data. If you have an online account with us, you may access, update and correct data about you by logging into your account and updating your profile information or by emailing info@fourex.co.uk, You may also email us at that email address if you wish to deactivate your account, or loyalty program but note that we may retain data about you for legitimate business purposes or as required by law. Marketing communications. You may opt out of receiving marketing emails and text messages by following the instructions in those communications. If you opt out, we will cease to send you the marketing communications within 28 days of receipt of your instruction, but we may still send you non-marketing messages, such as emails about your accounts or our ongoing business relations.

Cookies

The Website uses cookies. Cookies are tiny text files which are stored on your hard drive or in device memory by a website that may identify your computer or device to our server as a unique user when you visit certain pages on the Website and they are stored by your Internet browser on your computer's hard drive. Cookies can be used to recognise your Internet Protocol address, saving you time while you are on, or want to enter, the Website. We use cookies for your convenience in using the Website (for example to remember who you are when you want to amend your data without having to re-enter your email address and password every time) and not for obtaining or using any other information about you (for example targeted advertising), and to help us to improve our Services and your experience such as seeing which areas and features are popular and count visits to our Services. Our use is of permanent cookies (rather than session cookies, so they remain in place after you have closed the session on our Website using your browser). Your browser can be set to not accept cookies, but this would restrict your use of the Website. Please accept our assurance that our use of cookies does not contain any personal or private details and are free from viruses.

Please note that we may also use Google Analytics. Google Analytics is a simple tool that helps website owners like us measure how users like you engage with our website and the content we have on our website. Google Analytics uses “first-party cookies”, which report on how you use our website. These cookies do not store personally identifiable information. This may let us collect information about your computer, including your IP address, to help us to manage the website and to create reports that tell us about how users browse on our site and their patterns of use. When we use Google Analytics, this helps us to help you, so we can improve our website. Google Analytics does NOT identify any person.

If you want to find out more information about cookies, go to www.allaboutcookies.org or to find out about removing them from your browser, go to www.allaboutcookies.org/manage-cookies/index.html.

Changes to this Privacy and Cookies Policy

We may change this Privacy and Cookies Policy from time to time. If we make any changes to this Privacy and Cookies Policy, we will change the "Date of Last Revision" date above, and in some cases, we may provide you with a prominent notice (such as adding a statement to our home page on our Website or sending you an email notification). We encourage you to review the Privacy and Cookies Policy to stay informed about our data practices and the ways you can help protect your privacy.

Consent

By submitting data to us and using the Website, you consent to our use of your data and of your party in the manner set out in this Privacy and Cookies Policy (as amended) and you are responsible for ensuring that you have authority to consent on behalf of anyone about whom you submit data.