BY USING THIS WEB SITE, YOU SIGNIFY YOUR AGREEMENT TO HOLIDAY
COTTAGES GROUP LIMITED’S (HCG'S) PRIVACY POLICY. IF YOU DO NOT AGREE WITH THIS
PRIVACY POLICY, PLEASE DO NOT USE THIS WEB SITE. YOUR CONTINUED USE OF HCG'S WEB>
SITES FOLLOWING THE POSTING OF CHANGES TO THIS PRIVACY POLICY WILL MEAN THAT
YOU ACCEPT THOSE CHANGES.
The family of companies at Wyndham Worldwide Corporation,
including holding companies, subsidiary companies and sister companies
(collectively, the "Wyndham Worldwide Group of Companies"), and which
includes Holiday Cottages Group Limited and its various trading divisions
(collectively "HCG" or "we", "us", or
"our") recognise the importance of protecting the privacy of certain
general information ("data") and specific personal information
("Personal Data") collected about our customers (referred to as
"Customers", "you", or "your") and consequently
respect your privacy. This privacy statement discloses what information we
gather, how we use it, and how to correct or change it. At HCG, it is our
intention to give you an understanding about how we collect your information
and the use we make of it in the course of our business.
HCG has reviewed its policies, processes, procedures and
practices to ensure that they meet legislation introduced within the European
Economic Area (EEA), which includes the European Union (EU), in line with the
EU Data Protection Directive (95/46/EC) and the EU Telecommunications Data
Protection Directive (97/66EC) ("the Directives"), and in accordance with
UK implementing legislation such as the Data Protection Act 1998, the
Telecommunications (Data Protection and Privacy) (Direct Marketing) Regulations
1998, the Regulation of Investigatory Powers Act 2000 and the
Telecommunications (Lawful Business Practice) (Interception of Communications)
Regulations 2000, and we will continue to ensure that our policies, processes,
procedures and practices comply in all respects with any future laws and
regulations in relation to your privacy.
The purpose of this document is to inform you of the
policies that have been put in place to protect your interests in this respect.
1. Fair and lawful information-handling
We will process all data that we collect and hold on you fairly and in accordance with applicable law. As further explained in
this privacy policy, we will ensure the quality and security of your data (even if the data are transferred to other companies
in the UK, Europe or elsewhere); and we will fully respect your rights, interests and fundamental freedoms with regard to your
data.
2. Legitimate purposes
We will only collect, record, process and store data which are needed to fulfil our contractual obligations towards our Customers,
and/or our affiliated or related entities, associates, or partners, or any company or companies within the Wyndham Worldwide
Group of Companies, and the customers of such affiliated or related entities, associates or partners, or any company or companies
within the Wyndham Worldwide Group of Companies; to serve other legitimate business interests such as credit assessment or
marketing; or to comply with legal requirements.
We may disclose to our affiliated or related entities, associates, or partners, or any company or companies
within the Wyndham Worldwide Group of Companies, or to third parties authorised by us, such information as may be necessary
to provide you with products and services you have requested or for the purpose of verification of details relating to your
data held by us for legitimate purposes.
3. Data quality
We will employ effective procedures and safeguards to ensure that data we hold on you are adequate, relevant and not excessive
in relation to the purposes for which they were obtained, as well as accurate and up-to-date. Where we become aware of any
inaccuracies in data we hold, we will correct and, where appropriate, delete incorrect data.
Retention periods are in place to ensure that data are only stored whilst they are required for the purposes in question or to
meet legal and regulatory requirements. Where data are no longer required, we will ensure that they are disposed off in a secure manner.
4. Information to you
When we collect data from you, we will identify ourselves and inform you of the purpose(s) for which we are collecting data. If we
are collecting data from you on behalf of our affiliated or related entities, associates or partners, or any company or companies
within the Wyndham Worldwide Group of Companies, we will identify the affiliated or related entity, associate or partner, or the
company or companies within the Wyndham Worldwide Group of Companies (the "controller" in terms of the European data protection
regime) and explain that we are acting as the agent (or "processor") for that entity or organisation. If our affiliated or related
entity, associate or partner, or any company or companies within the Wyndham Worldwide Group of Companies, is a non-European
company which has appointed a representative in Europe in accordance with the Directives, we will also inform you of the identity
of that representative (which may be HCG). If we have obtained data on you other than directly from you, we will inform you of
this as soon as practicable after we have entered data in our files or computers (unless you were already aware of the fact).
We may also record or monitor telephone calls to and from HCG or to or from any company or companies within the Wyndham Worldwide
Group of Companies, without notification, for staff training and quality control purposes.
5. When will we seek your prior consent?
We will go further and ask for your prior consent in the following circumstances:
a credit check on you;
before we pass on any of your Personal Data to other companies for direct marketing purposes, by offering you the
opportunity to object to such disclosures either through a "tick-box" or an "opt out" box on your purchase order form or
booking form or membership application or enrolment form, or by asking you to notify us by telephone, fax or e-mail.
(If you use more than one e-mail address to communicate with us, please notify us of each e-mail account you use.); or
if we process sensitive data on you under any contract with you (or under a contract between you and a company we represent).
6. Special restrictions on the use of sensitive data
We will not normally seek data on your racial or ethnic origins, political opinions, religious or other beliefs, trade-union memb
ership, physical or mental health, sex life or criminal convictions. When we do collect such data, it will be limited to data which
are:
- required to be kept by law
- needed for legal proceedings or to establish, exercise or defend legal rights (including protection against fraud)
- clearly and strictly necessary to fulfil a contract between you and us (or between you and a company we represent) or
- needed to protect your vital interests or the vital interests of another person (for instance, if medical data are urgently
required after an accident and you cannot give your consent).
7. Your rights
You have the right to require us and/or our affiliated or related entities, associates or partners, or any company or companies
within the Wyndham Worldwide Group of Companies, to cease the communication of advertising or marketing materials to you, and we
will ensure that your request is complied with. This includes the right to withdraw your consent to third-party direct-marketing
use of your data at any time.
You have the right to see all data that we hold on you. Should you wish to have access to all or a particular part of your data,
please contact the Data Protection Co-ordinator at Holiday Cottages Group Limited, Spring Mill, Earby, Barnoldswick, Lancashire,
BB94 0AA, United Kingdom. Such access will be granted in accordance with the requirements of applicable national legislation
and subject to any discretionary allowance for HCG to make a charge payable by you to cover HCG's administration costs incurred
in providing you with such data. Such payment is to be made on application for access to your data and is to be no more than
the maximum stipulated by applicable national legislation. The information will be forwarded to you within an appropriate
period of time in accordance with applicable national legislation, but in any event no more than 40 days from the date of
such request for access.
Where any discrepancies are discovered following your enquiry, we will take immediate
steps to validate and, where appropriate,
correct our records. We will confirm the actions taken in writing to you within an appropriate period of time in accordance with
applicable national legislation, but in any event no more than 40 days after receiving your request to amend our records.
8. Security of information
We will only provide access to data on you to those of our employees who need such access in order to carry out any necessary
processing. We have taken appropriate steps to ensure the security of data, whether it is stored in computer systems, paper
files or other storage media. We expect the same high standards of security and confidentiality of our affiliated or related
entities, associates or partners, agents or subcontractors, or any company or companies within the Wyndham Worldwide Group of
Companies we engage to process data for us.
9. Transfer of information outside the EEA
Data on you may, on occasion, be transferred to HCG's facilities, or to any company or companies within the Wyndham Worldwide
Group of Companies, or to its or their affiliated or related entities, associates or partners, or to data processing agencies
("processors") or third parties authorised by us, outside the EU or the EEA for analysis, technical processing or other legitimate
purposes. The countries where such other facilities or companies are situated may have no data protection legislation, or laws
which are less rigorous than the legislation introduced by the Member States of the EU and the EEA. In such cases, we will
ensure that your rights with regards to any such processing and your data will still be adequately protected.
Within the Wyndham Worldwide Group of Companies we have agreed world-wide acceptance of the European standards with regard to the
processing of Personal Data from all our UK and European companies, including HCG. If we transfer your Personal Data to agencies or
third parties authorised by us outside the EEA, we require similar, binding contractual undertakings, and we monitor compliance. Our
affiliated or related entities, associates and partners, and all companies within the Wyndham Worldwide Group of Companies, have agreed
to adopt equivalent measures.
10. Direct marketing
We, and/or our affiliated or related entities, associates or partners, or any company or companies within the Wyndham Worldwide
Group of Companies, or third parties authorised by us, may market to you directly through any media to keep you informed of further
offers which may be of interest to you (unless you write to us asking us to exclude you from such offers or alternatively telephone,
fax or e-mail us to that effect or you have done so previously and such exclusion is still operative) and for our own administration,
market analyses and operational reviews. (If you use more than one e-mail address to communicate with us, please notify us of each
e-mail account you use.)
We, and/or our affiliated or related entities, associates or partners, or any company or companies within the Wyndham Worldwide Group of
Companies, or third parties authorised by us, may make contact with you by post, e-mail, telephone (including automated dialling
equipment), facsimile transmissions, and/or pre-recorded messages for the purposes set out herein (unless you notify us either in
writing or by telephone, fax or e-mail that you object to being contacted in a particular stated way and/or by a certain stated
entity or entities, or by any company or companies within the Wyndham Worldwide Group of Companies, or by third parties authorised
by us, or you have done so previously and such objection is still operative). (If you use more than one e-mail address to communicate
with us, please notify us of each e-mail account you use.)
We, and/or our affiliated or related entities, associates or partners, or any company or companies within the Wyndham Worldwide Group
of Companies, or third parties authorised by us, will always act according to your wishes and preferences. Whenever we, and/or our
affiliated or related entities, associates or partners, or any company or companies within the Wyndham Worldwide Group of Companies,
or third parties authorised by us, directly market to you by telephone or fax, we, and/or our affiliated or related entities,
associates or partners, or any company or companies within the Wyndham Worldwide Group of Companies, or third parties authorised by
us, will comply beforehand with the requirements of applicable national legislation under and by which you have recorded your desire
not to be contacted by telephone and/or fax, as the case may be, for the purposes of direct marketing by any organisation.
If you have notified such desire according to the laws of your country of domicile, then we, and/or our affiliated or related
entities, associates or partners, or any company or companies within the Wyndham Worldwide Group of Companies, or third parties
authorised by us, will not call or fax you unless you subsequently notify us directly (either in writing, or by telephone, fax
or e-mail) that this no longer applies or at least does not apply to our affiliated or related entities, associates or partners,
or any company or companies within the Wyndham Worldwide Group of Companies, or third parties authorised by us. (If you use more
than one e-mail address to communicate with us, please notify us of each e-mail account you use.)
11. Internet
HCG is the sole controller in the EEA/EU Member States of all data held in relation to your use of our Web sites and all processing
of data relating to your requirements and requests is therefore subject to and in accordance with the EU Directives and subject
additionally to the data protection laws and regulations of your country of domicile. If no such laws and regulations exist in your
country of domicile, then all processing of data relating to your requirements and requests is subject to United Kingdom data
protection laws and regulations only. Where any local country's laws and regulations relating to data protection and privacy
conflict with or are inconsistent with the EU Directives, then the EU Directives shall prevail.
HCG gathers two types of information about Customers: data that Customers provide through optional, voluntary registration on
our Web sites; and data HCG gathers through aggregated tracking, mainly by tallying page views throughout our Web sites.
Such information enables us to tailor our content to fit Customers' needs better and to help our affiliated or related entities,
associates or partners, or any company or companies within the Wyndham Worldwide Group of Companies; or third party content
providers, agents, subcontractors, suppliers, merchants, advertisers, sponsors and licensors (collectively, "Providers") that have
licensed their content on our Web sites or the right to market their products and/or services to understand our audience. HCG derives
part of its revenue from advertising and e-commerce and therefore providing such aggregated data is essential to keeping our service
free to Customers. However, be assured that HCG will not disclose Personal Data to third parties without your consent, except as
may be noted in this privacy policy or disclosed to you when data is submitted.
How does HCG collect information?
Optional registration
We collect data by specifically requesting it from you. Generally, this occurs when you register at one of our Web sites or request
information or a service. For example, we may need to know your name, e-mail address, mailing address and contact telephone number,
facsimile number and other related information. This allows us to process and fulfil your requirements and requests. Usually, the
HCG Web sites and/or HCG's affiliated or related entities, associates or partners, or any company or companies within the Wyndham
Worldwide Group of Companies, or Providers, or other third parties authorised by us, use your data to operate the Web sites and
to deliver services. The HCG Web sites also use your data to inform you about other products or services available from HCG,
and/or its affiliated or related entities, associates or partners, or any company or companies within the Wyndham Worldwide Group
of Companies, or Providers, or other third parties authorised by us.
We will maintain records relating to your use of our Web sites (including information about you provided by yourself or by Providers,
or other third parties authorised by us). We shall be entitled to process those data for the purpose of providing your requirements
and requests, for HCG's own administration, market analyses and operational reviews, and to keep you informed of further aspects of
HCG and its operation which may be of interest (unless you write to us asking us to exclude you from such further contact or
alternatively telephone, fax or e-mail us to that effect or you have done so previously and such exclusion is still operative).
(If you use more than one e-mail address to communicate with us, please notify us of each e-mail account you use.) We shall be
entitled to disclose to our affiliated or related entities, associates or partners, or any company or companies within the Wyndham
Worldwide Group of Companies, or Providers, or other third parties authorised by us (including without limitation cottage owners,
resorts, management companies, owners' associations, airlines, ferry companies, cruise companies, safari organisers, insurance
companies and other suppliers), such information as may be necessary to provide your requirements and requests or for the purpose of
verification of details relating to any requests for information on-line you may make to HCG.
Usage tracking
Use of Internet Protocol ("IP") Addresses
An IP address is a unique number that is automatically assigned to your computer whenever you are surfing the World Wide Web (otherwise known as the "Internet"), so that your computer can be identified by the main computers, known as "Web servers", that "serve up" Web pages.
HCG and/or its affiliated or related entities, associates or partners, or any company or companies within the Wyndham Worldwide Group
of Companies, collect IP addresses for the purposes of system administration, to report aggregated information to Providers, or to
other third parties authorised by us, and to audit the use of our Web sites. When Customers request pages from those Web sites of HCG,
and/or its affiliated or related entities, associates or partners, or any company or companies within the Wyndham Worldwide Group of
Companies, and/or Providers, or other third parties authorised by us, our Web servers log the Customers' IP addresses. We do not
normally link IP addresses to anything personally identifiable, which means that a Customer's session will be logged, but the Customer
will remain anonymous to us. We can and will use IP addresses to identify a Customer when we feel it is necessary to enforce
compliance with our Web sites' terms of use or terms of service, or to protect our service, our Web sites and/or those of our
affiliated or related entities, associates or partners, or any company or companies within the Wyndham Worldwide Group of Companies,
or Providers, or other third parties authorised by us, our other Customers or the customers of our affiliated or related entities,
associates or partners, or any company or companies within the Wyndham Worldwide Group of Companies, or Providers, or other third
parties authorised by us.
Use of Cookies
What are cookies? Cookies are small pieces of information
that a Web site sends to your computer for record-keeping purposes, which
information is stored in a file on your computer. Cookies make Web-surfing
easier for you by saving your preferences so that, for example, we can use the
saved information to facilitate your use of our Web sites when you return to
them. Cookies do not tell us your individual identity unless you have chosen to
provide it to us. We never save passwords or credit card information in
cookies. The use of cookies is an industry standard and, as such, you will find
that most major Web sites use them.
By showing how and when Customers use the HCG Web sites,
cookies help us to determine which areas are popular and which are not. Many
improvements and updates to our Web sites are based on such data as total
numbers of visitors and pages viewed. This information is most easily tracked
with cookies. We use the information from cookies to provide services better
tailored to our Customers' needs.
Most cookies expire after a defined period of time, or you
can delete your cookie file at any time. Most browsers are initially set up to
accept cookies. You can re-set you browser to refuse all cookies or to indicate
when a cookie is being sent. However, note that some parts of our Web sites
and/or our affiliated or related entities', associates', or partners', or any
company's or companies' within the Wyndham Worldwide Group of Companies, or
Providers', or other third parties' authorised by us, services will not
function properly or may be considerably slower if you refuse cookies. For
example, without cookies you will not be able to set personalised preferences,
and/or may have difficulty completing on-line transactions.
HCG and/or its affiliated or related entities, associates or
partners, or any company's or companies' within the Wyndham Worldwide Group of
Companies, and Providers, or other third parties authorised by us, have two
primary uses for cookies. First, we use them to specify a Customer's
preferences. For example, you can specify keywords across several categories or
markets so you do not have to tell us repeatedly about products or services
that you are interested in finding out more information about, or in receiving
or being provided with. Secondly, we use cookies to track Customers' Web site
usage trends and patterns. This helps us to understand our Customers' needs
better and improve areas of HCG's and/or its affiliated or related entities',
associates' or partners', or any company's or companies' within the Wyndham
Worldwide Group of Companies, or Providers', or other third parties' authorised
by us, products or services that our Customers find valuable. While both of
these activities depend on the use of cookies, you have the option of disabling
cookies via your browser preferences.
You may occasionally receive cookies from Providers or other
third parties authorised by us. HCG and/or its affiliated or related entities,
associates or partners, or any company or companies within the Wyndham
Worldwide Group of Companies, do not control these cookies. The use of
advertising cookies sent by third party Web servers is standard in the Internet
industry.
With whom does HCG share my information?
As a general rule, HCG will not disclose any Personal Data
that you submit to us about you in a manner that connects you with the Personal
Data, except when we have your permission or under special circumstances, such
as when we believe in good faith that the law requires it or under the
circumstances described below. The following describes some of the ways that
your Personal Data may be disclosed:
Business Partners & Sponsors: We may disclose some or
all of your Personal Data to business partners or sponsors, but this use will
be specifically described to you prior to data collection or prior to
transferring any such Personal Data. Many promotions offer opportunities to
request additional information from business partners or sponsors. By
requesting more information, you give HCG permission to transfer your Personal
Data to the business partner or sponsor so they can fulfil your request. In
many instances, only your e-mail address will be shared. If more Personal Data
will be shared with the business partner or sponsor, then you will be notified
prior to the transfer.
Third Party & Aggregate Data: From time to time, you may
be offered the opportunity to receive materials or special offers from our
affiliated or related entities, associates or partners, or any company or
companies within the Wyndham Worldwide Group of Companies, or Providers, or
other third parties authorised by us. If you opt to receive information from
any of these entities, firms, organisations or third parties, HCG will (with
your permission) share your name and e-mail address with any one or a number of
such entities, firms, organisations or third parties as appropriate. Under
confidentiality agreements, HCG may match your Personal Data with data about
you held by our affiliated or related entities, associates or partners, or any
company or companies within the Wyndham Worldwide Group of Companies, or
Providers, or other third parties authorised by us.
We may monitor resort traffic patterns and usage of our Web
sites to help us develop their design and layout. We may also use Personal Data
that we collect to occasionally notify you about important functionality
changes to our Web sites, and to notify you of new products or services and
special offers that HCG thinks you will find valuable and of interest. Also, we
may keep track of what portions of our Web sites Customers are visiting and
other Customer statistics, such as aggregate information about holiday cottage
rentals, or total and segmented numbers of bookings made, etc. and traffic
patterns and usage of the our Web sites, which may be provided to reputable
third parties authorised by us, in order to help us create a better experience
for users of our Web sites. This is done without knowing your name or other
Personal Data in order to describe our viewers to our affiliated or related
entities, associates or partners, or any company or companies within the Wyndham
Worldwide Group of Companies, or Providers, or other third parties authorised
by us, and for other lawful purposes.
Other: We may also disclose account data of Customers in
special cases when we have reason to believe that disclosing this data is
necessary to identify, contact or bring legal action against someone who may be
violating HCG's terms of use or terms of service, or may be causing injury to
or interference (either intentionally or unintentionally) with any of HCG's
rights or property, our other Customers, or anyone else. HCG may disclose or
access account data when we believe in good faith that the law requires it and
for administrative and other purposes that we deem necessary to maintain,
service, and improve our products and services to our Customers.
How can you control the usage of information?
In the event that you change
your mind or some Personal Data changes (such as your e-mail address), we will
provide a way to correct, update or remove the Personal Data that you give us.
We also give you the opportunity to control the communications that we direct
to you. We will always seek your consent before disclosing Personal Data
relating to you for the making of offers by our affiliated or related entities,
or any company or companies within the Wyndham Worldwide Group of Companies, or
Providers, or other third parties authorised by us, by informing you of an
intention to process your Personal Data for such purposes, and offering you a
possibility to "opt out" of such use of your Personal Data, in a form
or document returned to us or by notifying us by telephone, fax or e-mail. (If
you use more than one e-mail address to communicate with us, complete this form
for each e-mail account you use.) If a Customer wishes to update Personal Data
or objects to any usage provided herein for any reason, he/she may e-mail the
requested change to:
datachanges@holidaycottagesgroup.com
You are entitled to receive a copy of any data held by us on
you in accordance with the requirements of applicable national legislation and
subject to any discretionary allowance for HCG to make a charge payable by you
to cover HCG's administration costs incurred in providing you with such data.
Such payment is to be made on application to the Data Protection Co-ordinator
at ferrysavers.com, for access to your data and is to be no more than the
maximum stipulated by applicable national legislation. The information will be
forwarded to you within an appropriate period of time in accordance with
applicable national legislation, but in any event no more than 40 days from the
date of such request for access.
Where any discrepancies are discovered following your
enquiry, we will take immediate steps to validate and, where appropriate,
correct our records. We will confirm the actions taken in writing to you within
an appropriate period of time in accordance with applicable national
legislation, but in any event no more than 40 days after receiving your request
to amend our records.
What happens when you link to a third party Web site?
You should be aware that when you are on HCG 's and/or its
affiliated or related entities', or any company's or companies' within the Wyndham
Worldwide Group of Companies, Web sites you could hyperlink or be directed to
other Web sites that are beyond our control and/or outside our service. For
example, if you "click" on a banner advertisement or an HCG Web site
search result, the "click" may transfer you off the HCG Web site.
These other Web sites may include Web sites of Providers, or other third
parties authorised by us, that may use HCG's and/or its affiliated or related
entities', or any company's or companies' within the Wyndham Worldwide Group of
Companies, logos as part of a co-branding agreement. These other Web sites may
send their own cookies to Customers, and collect or solicit data and Personal
Data.
HCG and/or its affiliated or related entities, or any
company or companies within the Wyndham Worldwide Group of Companies, do not
control such third party Web sites and, therefore, are not responsible for
their content or the hyperlinks or advertising they choose to place on such Web
sites. HCG's and/or its affiliated or related entities', or any company's or
companies' within the Wyndham Worldwide Group of Companies, inclusion of
hyperlinks to these third party Web sites does not imply any endorsement of the
material on such Web sites or any association with their operators. HCG's
policy does not extend to anything that is inherent in the operation of the
Internet, which is beyond HCG's and/or its affiliated or related entities', or
any company's or companies' within the Wyndham Worldwide Group of Companies,
control.
Please keep in mind that whenever you give out information
on-line (for example, via message or bulletin boards or chat rooms) that
information can be collected and used by people you do not know. While HCG
and/or its affiliated or related entities, or any company or companies within
the Wyndham Worldwide Group of Companies, strive to protect their Customers'
data and Personal Data, as well as privacy, we cannot guarantee the security of
any information you disclose on-line, and you disclose such information at your
own risk.
We, and/or our affiliated or related entities, or any
company or companies within the Wyndham Worldwide Group of Companies, will not
send you e-mails that you do not want, but we cannot guarantee that Providers,
or other third parties authorised by us, to whom your details are sent will not
do so.
Is my information secure from others using the HCG Web sites?
The security of all data associated with our Customers is an
important concern to us. We exercise a high degree of care, skill and due
diligence in providing secure transmission of your data and Personal Data from
your computer to our Web servers. Unfortunately, no data transmission over the
Internet is 100% secure. As a result, while we strive to protect your data and
Personal Data, HCG and/or its affiliated or related entities, or any company or
companies within the Wyndham Worldwide Group of Companies, cannot ensure and do
not warrant the security of any information you transmit to us or from our
on-line products or services, and you do so at your own risk. Once we receive
your transmission, HCG uses industry standard efforts to safeguard the
confidentiality of your data and Personal Data, such as firewalls and secure
servers. When you use our Web sites for transactional purposes the secure
server software – Secure Socket Layers ("SSL") – encrypts all credit
card details you input before it is sent to us. We use Verisign as an officially
recognised trusted third party to authenticate and certify the security of our
Web sites and to encrypt your credit card details. However, "perfect
security" does not exist on and in the use of the Internet.
If at any time you feel that HCG has not adhered to the
principles, processes, procedures and practices contained in this privacy
policy, please either notify us in writing or by telephone, fax or e-mail and
we will use all commercially reasonable efforts to determine and correct the
problem promptly. HCG welcomes your questions and comments about privacy.
Date:07-March-2007
YOUR ACCEPTANCE OF THESE TERMS
By using this Web site, you signify your agreement to HCG's privacy policy. IF YOU DO NOT AGREE WITH THIS PRIVACY POLICY, PLEASE DO NOT USE THIS WEB SITE. Your continued use of HCG's Web sites following the posting of changes to these terms will mean that you accept those changes.
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