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Privacy & cookies

1. PRIVACY POLICY

Please read our Privacy Policy carefully before using this website.

1.1 Your privacy is important to us. This notice explains our online information practices. In this notice we use the following expressions, which have the following meanings (unless otherwise stated).

1.2 “We”, “us” or “BW Legal” trade from 1 Apex View, Leeds, LS11 9BH.

1.3 “Site” means the website operated by BW Legal located on the Internet at the URL http://www.bwlegal.com

1.4 “You” means the user of this website.

1.5 BW Legal takes privacy very seriously. The following privacy statement sets out, in relation to the website and/or your account(s), what sort of information we collect and hold about you, how that information is collected and how we use that information.

2. THE INFORMATION WE COLLECT

2.1 We may obtain personal information about you when you use this site. We will also collect information from you when you phone us, email us or write to us.

2.2 All personal information that we collect will include your name, telephone number, email address and any information relating to your account.

2.3 If you make a payment via our online pages, we will ask you to provide personal information including, but not limited to, the BW Legal reference number to which the payment relates, the cardholder’s name and address, card details such as card number, valid from and expiry date, issue number and security number, as well as the payment value.

2.4 All information given to us through this site will only be held and used with care and in accordance with this statement and the Data Protection Act 1998. All card details are processed via Sage pay, who are our payment service provider.

2.5 We do automatically collect certain non-personally identifiable information when you visit the Site such as the type of browser you are using, the type of operating system you are using, and the domain name of your Internet service provider.

2.6 We use non-personally identifiable information to analyse Site usage (such as aggregated information on the pages you visited), which allows us to improve the design and content of our Site.

2.7 We use personally identifiable information you provide to respond to your enquiry, or, in the case of making online payments, we use personally identifiable information to process and record your payment.

2.8 We will not contact you about other matters, unless you specifically request it, nor will we share, rent, or sell your personally identifiable information outside BW Legal, unless you are making a payment on this site where we may need to share payment details with external companies or organisations you owe monies to.

2.9 However, it is possible, though unlikely, that we might be forced to disclose personally identifiable information in response to legal process or when we believe, in good faith, that the law requires it, for example in response to a court order, summons or a law enforcement agency’s request.

2.10 Also, we cannot guarantee the privacy of personal information you transmit over the Internet or that which is capable of being collected in transit by others, including contractors who provide services to us.

2.11 We will only use your personal details for the following:

2.11.1 To process payments via our website, to service, update and administer your account. For example, where you make a payment via our pay online pages we will apply this to your account to reduce the outstanding balance and to ensure the service is a helpful and effective one;

2.11.2 To fulfil our obligations to our clients: for example we may provide them with details of your payment history, account usage, changes of name and address; and

2.11.3 If you provide us with your email address, telephone or mobile details, we may use this to contact you about your account, the payment you have made or if any feedback has been left on the website or you have requested a call back.

3. COOKIES

3.1 A cookie is a text-only string of information that a website transfers to the cookie file of the browser on your computer’s hard disk so that the website can remember who you are. A cookie will typically contain the name of the domain from which the cookie has come, the “lifetime” of the cookie, and a value, usually a randomly generated unique number.

3.2 When you visit the Site we send you a cookie. Cookies may be used in the following ways:

3.2.1 To compile anonymous, aggregated statistics that allow us to understand how users use the Site and to help us improve the structure of the Site. We cannot identify you personally in this way.

3.3 On this website we use session cookies, which are temporary cookies that remain in the cookie file of your browser for a set period of time after you have left the Site

3.4 We also use persistent cookies during the online payment process that are strictly necessary to remember the details you have entered whilst navigating between the payment pages. The necessity of these cookies to successfully provide the online payment service means that no consent is required.

4. DISABLING/ENABLING COOKIES

4.1 You have the ability to accept or decline cookies by modifying the settings in your browser. However, you may not be able to use all the interactive features of our Site if cookies are disabled.

5. WHEN MAKING A PAYMENT

5.1 You Warrant the following:

5.1.1 All personal information which you enter when making a payment to BW Legal as a customer is true, accurate, current and complete to the best of your knowledge;

5.1.2 If any personal information changes then you will notify us immediately either by email at enquiries@bwlegal.co.uk or by phone on 0113 323 1784; and

5.1.3 You agree not to impersonate any other person or entity when making a payment to us and agree to not use any false personal information that is not associated with you.

6. PAYMENT PROCESSING

6.1. The payment will only be deemed successful between you and us once:

6.1.1. You have been through the payment pages and clicked “pay now”.

6.1.2. You will receive an email acknowledgement upon successful payment; which means that your payment has been received by us. This will then be allocated to your balance within 2 working days.

6.2 Non acceptance of a payment may be due to any of the following reasons:

6.2.1 Your card was declined by the bank;

6.2.2 Your account has insufficient funds;

6.2.3 You cancelled your payment;

6.2.4 There was an error in the website;

6.2.5 Your details did not meet our minimum fraud screening requirements; and

6.2.6 The internet connection was lost.

7. PAYMENT AGREEMENT

7.1 By ticking the “Confirm Terms and Conditions” box on the page “https://payments.bwlegal.co.uk/MakeAPayment.aspx” you agree to the terms and conditions stated on this page and, if accepted by us, will result in a payment made to BW Legal Services Ltd.

8. OUR COMMITMENT TO SECURITY

8.1 We employ security measures to prevent unauthorised access to information available on the Site and information that we collect online. However, we cannot guarantee the security of your personal information.

8.2 We use high-level SSL encryption technology which is the most advanced security software currently available to carry out online transactions. With this you can rest assured that your personal details will be kept safely secure.

8.3 If the page is secure you will see the “https” instead of “http” in the browser address window, the letter “s” meaning “secure”. A small padlock will also be visible at the bottom of the browser.

8.4 Applicable card payments are also verified by Visa and MasterCard Secure Code to further enhance security.

9. SAGE PAY SECURITY POLICY

9.1 Our Payment Service Provider is Sage Pay (formerly Protx) – the largest independent payment service provider (PSP) in the UK and Ireland.

9.2 Sage Pay provides a secure payment gateway (Level 1 PCI DSS), processing payments for thousands of online businesses, including ours. It is Sage Pay’s utmost priority to ensure that transaction data is handled in a safe and secure way.

9.3 Sage Pay uses a range of secure methods such as fraud screening, I.P. address blocking and 3D secure. Once on the Sage Pay systems, all sensitive data is secured using the same internationally recognised 256-bit encryption standards.

9.4 Sage Pay is PCI DSS (Payment Card Industry Data Security Standard) compliant to the highest level and maintains regular security audits. They are also regularly audited by the banks and banking authorities to ensure that their systems are impenetrable.

9.5 Sage Pay is an active member of the PCI Security Standards Council (PCI SSC) that defines card industry global regulation.

9.6 In addition, you know that your session is in a secure encrypted environment when you see https:// in the web address, and/or when you see the locked padlock symbol alongside the URL.

10. HOW TO CONTACT US

10.1 If you have any questions or concerns about this on-line privacy policy please contact us at enquiries@bwlegal.co.uk.  If at any time you decide that we should no longer hold any of your personal data, or wish to change the use to which any such data can be put, please let us know by emailing us at this address. BW Legal are debt collection solicitors, specialists in successful recovery of outstanding debts through legal process.