Privacy Policy and Terms of Use

Last Updated: 24 April 2009

This document sets forth the privacy policies and practices of Saunders Consultants Limited also referred to as "SCL", "Saunders Consultants", "we" or "us" in these terms and conditions.

Please read this privacy policy carefully since by visiting an SCL site and sharing information with us you agree to be bound by the terms and conditions of this Privacy Policy.


SCL's information usage practices are based on two beliefs: first, that protecting user privacy is essential to the growth and prosperity of the Internet; second, that a personalised web experience can provide significant benefits to Internet end users if done properly.


SCL accept no responsibility for and exclude all liability in connection with browsing this or any other of our websites, downloading any material from them and all of the matters listed above, including but not limited to any liability for errors, inaccuracies, omissions or misleading or defamatory statements.

What Information do We Collect?

SCL collect several different types of information:

Information that you provide for specific purposes eg e-mail addresses, publication mailing address, and contact information.

Transitory information - that you provide to enable us to give you appropriate information e.g. typing a search query into a search box.

Stored information - that you provide to enable you to logon and reuse site facilities such as membership areas.

We use industry-standard SSL encryption software when processing sensitive information such as usernames and passwords, to safeguard your data. We keep to strict security standards to prevent any unauthorised access to your details.

E-Mail & Newsletter Services

If you register for any of Our e-mail newsletters and e-mail auto responder services SCL will ask you to provide some basic details about yourself and the areas of the website you are interested in being notified about and which information is relevant for you in Our newsletters.

At any time you remove your subscription, simply click on "un-subscribe" link at the bottom of each e-mail and newsletter.

Please remember that any e-mails that you send to us will pass over the public network and this cannot be assumed to be secure. However, once we receive your e-mail we will treat the information it contains as confidential.


Data collected from any form on the site(s) is stored on a secure server and is only available to SCL. Each form has an explicit privacy statement that explains what the collected data will be used for; this has to be agreed to before any information can be submitted.

Website Usage Statistics

SCL collect website usage information in order to measure the success of the site and improve Our service to users. All data collected is anonymous.

SCL web servers logs all requests to the website and also logs your Internet Protocol (IP) address and the domain name of your Internet Service Provider (ISP), none of your personal details can be derived from this information.

SCL also use cookies and JavaScript to gather non-personal data regarding visits to pages on the site, the duration of individual page view, paths taken by visitors through the site, any repeat visits, data on visitors' screen settings and other general information.

Copyright Information

The material featured on this site is subject to copyright protection unless otherwise indicated. Some of the articles may be reproduced accurately and not used in a misleading context. Where any of our articles are being republished or copied to others, the source of the material must be identified and the copyright status acknowledged.

Any other proposed use of the material on our websites will be subject to a copyright approval:

Contact: Here

The permission to reproduce copyright material does not extend to any material on this site which is identified as being the copyright of a third party. Authorisation to reproduce such material would need to be obtained from the copyright holders concerned.

Linking To This Site

SCL encourages users to establish hypertext links to this site.

Virus Protection & Security

SCL make every effort to check and test material at all stages of production. It is always wise for you to run an anti-virus program on all material downloaded from the Internet. SCL cannot accept any responsibility for any loss, disruption or damage to your data or your computer system which may occur whilst using material derived from this website.

No transmission of data over the Internet is guaranteed to be completely secure. It may be possible for third parties not under the control of SCL to intercept or access transmissions or private communications unlawfully. While we strive to protect your information, SCL cannot ensure or warrant the security of any information you transmit to us. You acknowledge and assume this risk when communicating with SCL.

Data Protection Act (UK) & CAN-SPAM Act (US)

The information that you give to us will be held securely and in accordance with the Data Protection Act 1998. It will only be shared with organisations that are providing merchant account services or delivering other services on our behalf. It will not be disclosed to any other organisations or individual not directly concerned with the delivery of our services unless you give explicit permission, or there is a legal obligation for us to do so.

However SCL may release account and any other personal information when SCL believe release is appropriate to respond to a subpoena or otherwise comply with the law; enforce or apply our Terms and Conditions and other agreements; or protect the rights, property, or safety of SCL or others. This includes exchanging information with other companies and organizations for fraud protection.

You have a right to request a copy of any personal data held by SCL at any time, in order to check its accuracy. If you wish to do this, please write (explaining that your interest is in personal data maintained by SCL) to:

Data Protection Officer
PO BOX 903
United Kingdom

SCL is also committed to proper Internet practices and full compliance with the CAN-SPAM Act of 2003 (15 U.S.C. § 7701).

Please note that under the CAN-SPAM Act, an advertiser is required to provide an opt-out mechanism for consumers to unsubscribe from future e-mails about the advertiser. Although not required to by law, many e-mail marketers also include an opt-out mechanism to enable consumers to be removed from their mailing list. SCL provide this facility in all their newsletters and autoresponders.

Children's Privacy

SCL are very sensitive to the issue of children's privacy and make every effort to protect the privacy of children using the Internet. SCL's Web site, products, and services are not developed for or directed at children. Children (persons under the age of 18) are not eligible to do business with us and we do not collect personal information from any person we actually know is under the age of 13. If you believe your child has provided SCL with any personally identifiable data by registering at an SCL Web site, please contact us here to have them removed.


Internet Protocol (IP) is the address issued to your computer by your Internet Service Provider when you log onto to the Internet. It will look something like this

Internet Service Provider (ISP) is the company that provides your access to the Internet.

Cookies are small text files that are often created when you visit a website, and are stored in the cookie directory of your browser. SCL use cookies to track traffic through our sites and repeat visits. You can accept or reject cookies by changing you browser settings; this will not affect your ability to view this site.

JavaScript is a simple web scripting language. SCL use JavaScript to collect anonymous web usage information and provide simple interactive tools.

Policy Changes

SCL may find it necessary or be legally obligated to update this Privacy Policy from time to time. When we do, we will post those changes on this page and update the effective date so that you are always aware of the information we collect, how we use it, and under what circumstances we disclose it. Except as otherwise required by law, modifications to this Privacy Policy will not affect the privacy of data collected by SCL prior to the effective date of the policy change.

Data Processing & Safe Harbour

The European Union ("EU") maintains strict privacy laws. These rules differ significantly from US laws. To reconcile these differences, the US and the EU have created a Safe Harbor that defines mutually acceptable privacy operations. SCL. adhere to the Safe Harbor principals. For more information see

By providing information to SCL websites, you acknowledge that they operate in the United States and the UK and agree to (i) permit SCL to transmit and use your User information anywhere necessary, including across international boundaries, to affect the services and transactions provided by this Site; and (ii) that such use by SCL shall be subject to the terms and conditions stated in this Privacy Statement and our Terms and Conditions.


YOU UNDERSTAND AND AGREE THAT ANY DISPUTE OVER PRIVACY IS SUBJECT TO THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY AND OUR TERMS AND CONDITIONS (INCLUDING LIMITATIONS ON DAMAGES, AND ARBITRATION OF DISPUTES). YOU AGREE THAT SCL'S LIABILITY FOR ANY BREACH OF THIS PRIVACY POLICY SHALL BE LIMITED TO THE GREATER OF THE VALUE OF THE TRANSACTIONS OR SERVICES PROVIDED TO YOU BY SCL OR $250 TO THE EXTENT SUCH CLAIM IS NOT OTHERWISE BARRED BY OUR TERMS AND CONDITIONS. You also agree that you have provided notice to, and obtained consent from, any third party individuals whose personal data you supply to SCL with regard to: (a) the purposes for which such third party's personal data has been collected; (b) the intended recipients or categories of recipients of the third party's personal data; (c) which of the third party's data are obligatory and which data, if any, are voluntary; and (d) how the third party can access and, if necessary, rectify the data held about them. It is the express will of the parties that this agreement and all related documents have been drawn up in English. C'est la volonté expresse des parties que la présente convention ainsi que les documents qui s'y rattachent soient rédigés en anglais.