Arbitio - Terms of Service

Product Terms and Conditions
Website Terms and Conditions
Privacy Policy
Cookies Policy

Product Terms and Conditions

These Product Terms and Conditions apply to the sale of any Arbitio Service. By ordering a Arbitio Service, you are confirming your agreement to be bound by these Terms and Conditions. is operated by LNAT Online Limited Ltd whose registered office is, 74 Kensington Park Rd, London, W11 2PL, registered in England and Wales under company number 10242216.

1. Definitions

"Arbitio Service" means either subscription to the Arbitio LNAT Online Course and/or Essay Marking Service whichever is purchased by you and consitutes in any combination of the non-exhaustive list therein: Online Tests, Question Banks, Online Tutorials and Online Downloads, Workbooks, Question Banks, Review Exercises, Mock Exams (papers and suggested solutions), Online Study Materials, eBooks and Study Texts. Arbitio Service does not pertain to any expresslly referenced or linked material.

"Cancellation Period" means a period of 14 calendar days from the date on which the contract is concluded. See Clause 4 below for further details.

"Terms" means these Terms and Conditions, the Website Terms of Use if you purchase a Course via the Website; and Privacy Policy.

"ALOC" means LNAT Online Limited whose registered office is 74 Kensington Park Rd, Ground Floor Flat North, London W11 2PL.

"Website" means or ; and “you” or “your” means the individual purchasing the Arbitio Service.

2. Ordering Procedure

2.1. Ordering via the Website

2.1.1 In order to purchase an Arbitio Service via the Website you must register for an online account via the Website. If you already have an online account, you can log onto your account using the Facebook or Google account of your choice.

2.2 When you place an order for an Arbitio Service you are offering to purchase that Arbitio Service on these Terms. ALOC reserves the right to decline or cancel your order, or any part of your order.

2.3 A legally binding agreement shall not come into existence until ALOC have accepted your offer to purchase a Course by creating a paid LNAT User on the server approved by an admin.

2.4 ALOC reserve the right to withdraw at any time Arbitio Service advertised for sale on the Website.

3. Payment Terms

3.1 The Fee for any Arbitio Service at any given time will be displayed on the Website. Fees are quoted in pound sterling, unless expressly otherwise.

3.2 If you purchase an Arbitio Service on the Website:

3.2.1 the Fee will be shown prior to completion of the online transaction; and

3.2.2 ALOC will debit the Fee from your credit card or debit card on or after the day you make an order for a Course. Credit or debit card details are collected over a secure link and an authorised amount verification is taken immediately. Your order will be confirmed only upon receipt of the Fee in cleared funds by ALOC and will be subject to acceptance of your offer to purchase by ALOC in accordance with Clause 2.3.

3.3 ALOC reserve the right from time to time to change the amount of the Fee. In the unlikely event that due to a technical error, the amount of the Fee displayed on the Website is incorrect, or the Fee has been changed on the, ALOC will notify you as soon as it is reasonably possible. If the correct amount of the Fee is higher than the amount displayed on the Website, ALOC will contact you to notify you of the correct Fee, so you can decide whether or not you wish to continue with your order of the Course at the increased Fee.

3.4 The provision of any Arbitio Service is contingent upon ALOC having received cleared funds from you in respect of the Fee for the relevant Arbitio Service. Without prejudice to ALOC’S rights and remedies under these Terms, if any sum payable is not paid in cleared funds on or before the due date (being the date the Course is booked if you are responsible for paying the Fee), ALOC reserve the right, forthwith and at ALOC’s sole discretion, to suspend the provision to you and refuse you entry to the relevant Arbitio Service.

4. Cancellation Rights

4.1 Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 (Consumer Contracts Regulations) you may cancel your purchase of the Arbitio Service within a period of 14 calendar days (Cancellation Period) from the date on which the contract is concluded subject to Clauses 4.2, 4.3 and 4.4.

4.2 Your right to cancel and obtain any refund will be lost if you have given ALOC express consent to supply any services during the Cancellation Period and the service has been fully performed. If express consent has been given but the service is only part performed, you will be liable to pay for the services actually received.

4.3 If the contract is for the supply of digital content including but not limited to Arbitio Service, your right to cancel and obtain any refund will be lost if you have given ALOC express consent to supply the digital content to you during the Cancellation Period or if you access the digital content before the expiry of the Cancellation Period.

4.4 For further details of your rights under the Consumer Contracts Regulations you can visit your local Citizens’ Advice Bureau or visit the Competition and Markets Authority website.

4.5. Your order of any Arbitio Service is personal to you and you will not be permitted to transfer your purchase of any Arbitio Service to any other student.

4.6 ALOC reserves the right to use its discretion to determine whether to make refunds and/or deferrals in exceptional circumstances which fall outside Clause 4 and to charge additional fees in any such event.

4.7 In the event of postponing or canceling your LNAT exam, ALOC reserves the right to offer you a free subscription extension for the following exam session. This provision excludes refunds of your paid subscription fees should you be affected by LNAT exam cancelation or postponement.

5. Arbitio Service Content and Access Terms

5.1 Please see the description on the Website for details of the contents of the available Arbitio Service

5.2 You will be notified when you have access to any Arbitio Service purchased and for the length of time such access will be made available to you, unless any such Arbitio Service is removed.

5.3 The receipt of any Arbitio Service is personal to you and you may not transfer your rights to access the Arbitio Service or provide an Arbitio Service to any other person.

5.4 You may incur charges to your internet service provider while you are accessing and/or downloading any Arbitio Service. Charges may also be payable to third parties for use of the software necessary to access and/or download any Arbitio Service. You are responsible to pay these charges.

6. Modifications to any content of existing Arbitio Service or technology enhancements of any Arbitio Service

6.1 From time to time, ALOC may make modifications, enhancements or issue clarifications (for example, to clarify ambiguous regulatory drafting) to any audiovisual, interactive or written Arbitio Service. You will have access to such changes free of charge only to the extent that such changes relate to the specific Arbitio Service purchased by you.

7. Technical Support and Access

7.1 ALOC will provide technical and content support to individuals who have purchased any Arbitio Service, in accordance with the provisions referred to below.

7.2 If you report a fault to ALOC, ALOC will use reasonable endeavours to provide a solution but ALOC does not guarantee that the technical support provided will resolve your technical problems. If you receive technical advice from ALOC then ALOC will not accept any responsibility for any problem if you do not ensure that such advice is strictly followed.

7.3 ALOC is not obliged to offer you any technical support in relation to your use of any of the free demonstrations available on the Website but ALOC may elect to offer technical support and the extent of any such technical support is entirely at the discretion of ALOC.

7.4 You accept and acknowledge that periods of downtime may be required in respect of the information technology infrastructure connected to the Website and that technical support may not be available during such periods of downtime. Further you accept that you will not have a claim for breach of contract or otherwise in respect of such period of unavailability.

7.5 ALOC will use reasonable endeavours to make the Online Courses available but cannot guarantee uninterrupted, timely or error free availability or that defects will be corrected. ALOC reserves the right to suspend access to the Website for the purpose of scheduled or emergency maintenance, repairs or upgrades to improve the performance or functionality of the Website.

7.6 You also accept and acknowledge that ALOC cannot be held responsible for any delay or disruptions to your access to any Arbitio Service as a result of such suspension or any of the following:

7.6.1 the operation of the internet and the World Wide Web, including but not limited to viruses;

7.6.2 any firewall restrictions that have been placed on your network or the computer you are using to access any Arbitio Service;

7.6.3 failures of telecommunications links and equipment; or

7.6.4 updated browser issues.

8. Warranties

8.1 ALOC will provide the Arbitio Service in accordance with the description which is set out on the Website (please see Clause 5.1).

8.2 ALOC expects you to take reasonable care to verify that the Arbitio Service in question will meet your needs. ALOC does not make any commitment to you that you will obtain any particular result from your use of any Arbitio Service.

8.3 ALOC does not make any representation, guarantee or commitment to you that any Arbitio Service will be error free.

8.4 ALOC does not make any commitment that the Arbitio Service will be compatible with or operate with your software or hardware.

8.5 All representations, warranties and/or terms and/or commitments not expressly set out in these Terms (whether implied by law, conduct, and statute or otherwise) are hereby excluded to the maximum extent permissible by law.

9. Limitation of liability

9.1 The exclusions and limitations of liability contained in these Terms do not apply to a party’s liability: (i) for fraud or willful default; (ii) for death or personal injury caused by its negligence; or (iii) where such limitation or exclusion cannot lawfully be excluded.

9.2 Except as set out in these Terms, ALOC shall not be responsible for losses that result from its failure to comply with these Terms including, but not limited to, losses that fall into the following categories:

9.2.1 indirect or consequential losses;

9.2.2 loss of income or revenue;

9.2.3 loss of business;

9.2.4 loss of anticipated savings; or

9.2.5 loss or corruption of data.

9.3 ALOC is not responsible to you for any data that you lose either (a) as a result of accessing any Arbitio Service, or (b) during completion of any Arbitio Service.

9.4 Save as otherwise set out in this section “Limitation of liability”, ALOC’s maximum aggregate liability to you for any claims that you may have against ALOC for direct loss in contract, tort or otherwise arising out of or in connection with these Terms, the Course and any technical support shall be limited to the amount of the Fee which has been paid, or is payable, by you or on your behalf.

9.5 ALOC will not be held responsible for any delay or failure to comply with its obligations under these Terms if the delay or failure arises from any cause which is beyond ALOC’s reasonable control. This condition does not affect your statutory rights.

9.6 Each provision in this Clause 11 shall be construed separately as between you and ALOC. If any part is held to be unreasonable, inapplicable, or unenforceable, but would be valid if some part thereof was deleted such provision shall apply but with such modification as may be necessary to make it valid and effective.

10. Disclaimer

10.1 The Arbitio Service are for training and academic purposes only. ALOC will not accept any responsibility to any party for the use of the tuition provided and/or the contents of any Arbitio Service for any purpose other than training for educational purposes, including but not limited to the giving of advice by you to any third party.

10.2 You may not modify, copy, reproduce in any way any of Arbitio Service without an express permission of ALOC, upon a written postal request to ALOC (see Clause 12). You may not modify, adapt, merge, translate, disassemble, decompile, recompile or reverse engineer any software forming part of Arbitio Service or create derivative works based on the whole of or any part, or which incorporate, the content of Arbitio Service into any software program.

11. Data protection

11.1 ALOC will process the information it receives from you or otherwise holds about you in accordance with these Terms and the privacy policy. You consent to the use by ALOC of such information in accordance with these Terms and ALOC’s privacy policy. ALOC will use such information including but not limited to:

11.1.1 perform its obligations and enforce its rights under these Terms;

11.1.2 contact you by email, telephone or post to inform you about other products or services which may be of interest to you;

11.1.3 inform you of feedback;

11.1.4 communicate with your sponsor regarding your progress, results and attendance; and

11.1.5 ALOC may share your information with its agents and service providers for these purposes.

11.2 You have the right to receive details of the personal information held by ALOC. A fee of £20 will be payable. For more information, please refer to ALOC’s privacy policy.

11.3 In the event that you do not wish to receive marketing correspondence from ALOC, a written request or email should be sent to the contact details set out at the end of these Terms.

11.4 On occasion we may conduct online surveys. This is used to gauge our service, collect demographic information and other information that we may find useful. We may share non-personal, aggregated information with third parties. You agree to ALOC using your information in this manner.

12. General

12.2 ALOC reserves the right to recover any reasonable debt collection costs in connection with these Terms.

12.3 ALOC may update or amend these Terms and Conditions from time to time to comply with law or to meet its changing business requirements without notice to you. Any updates or amendments will be posted on the Website.

12.4 These Terms and Conditions, the Website Terms of Use and Privacy Policy constitute the entire agreement and understanding between us and supersedes and replaces any other terms and conditions previously published by us and any other understanding, undertaking, representation, warranty, arrangement or statement of any nature whatsoever made by us to you, whether oral, written or otherwise, relating to the subject matter of these Terms and Conditions.

12.5 You may not assign or sub-contract any of your rights or obligations under these Terms and Conditions to any third party unless we agree in writing.

12.6 ALOC may assign, transfer or sub-contract any of its rights or obligations under these Terms and Conditions to any third party at its discretion.

12.7 No relaxation or delay by ALOC in exercising any right or remedy under these Terms and Conditions shall operate as waiver of that right or remedy or shall affect its ability to subsequently exercise that right or remedy. Any waiver must be agreed by ALOC in writing.

12.8 If any of these Terms and Conditions are found to be illegal, invalid or unenforceable by any court of competent jurisdiction, the rest of these Terms and Conditions shall remain in full force and effect.

12.9 Any notices required to be served on you by ALOC under these Terms and Conditions will be deemed properly served if sent via prepaid postage to the postal address, or emailed to the email address, notified by you to you, at ALOC’s discretion. Any notices required to be served on ALOC by you will be deemed properly served if sent to the address as per clause 12.

12.10 A notice delivered personally is deemed to be given on the day on which it was left at the specified address. A notice sent by post is deemed to be given on the day it was posted as evidenced by the sender. A notice sent by fax or email is deemed to be given on the day it was sent.

12.11 The agreement between you and ALOC will be concluded in English only.

12.12 The agreement between you and ALOC which is compromised in these Terms and Conditions is not intended to be for the benefit of any third party, and shall not be exercised by any other person under the Contract (Rights of Third Parties) Act 1999 or otherwise.

12.13 These Terms and Conditions, and any other matters arising out of or in relation to these Terms and Conditions, are governed by and construed in accordance with the laws of England and Wales. You agree to submit to the exclusive jurisdiction of the English courts to settle any disputes which may arise out of or in connection with these Terms and Conditions.

13. Contact us

LNAT Online Limited

74 Kensington Park Road, W11 2PL, London

Website Terms and Conditions


1. Terms of website use

This terms of use (together with the documents referred to in it) tells you the basis on which you may make use of our website or (our website), whether as a guest or a registered user. Use of our website includes accessing, browsing, or registering to use our website. Please read these terms of use carefully before you start to use our website, as these will apply to your use of our website. We recommend that you print a copy of this for future reference. By using our website, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms of use, you must not use our website. These terms of use were uploaded to our website on August 20th, 2017 and apply from this date. By signing up on our website, you agree to be added to our newsletter mailing list. You can unsubscribe from this at any time.

2. Other applicable terms

These terms of use refer to the following additional terms, which also apply to your use of our website:
  • Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing and you warrant that all data provided by you is accurate.
  • Our Cookie Policy, which sets out information about the cookies on our website.
  • If you purchase courses, Restricted Content (defined in clause 6e), goods or services from our website, our applicable Product Terms and Conditions will apply to the sales.

The term “Restricted Content” means any content on our website to which access is restricted and which can only be accessed on payment to us and subject to your acceptance of applicable Product Terms and Conditions.

3. Information about us is operated by LNAT Online Limited Ltd whose registered office is, 74 Kensington Park Rd, London, W11 2PL, registered in England and Wales under company number 10242216.

4. Changes to these terms

We may revise these terms of use at any time by amending this page. Please check this page from time to time to take notice of any changes we made, as they are binding on you.

5. Changes to our website

We may update our website from time to time, and may change the content at any time. However, please note that any of the content on our website may be out of date at any given time, and we are under no obligation to update it. We do not guarantee that our website, or any content on it, will be free from errors or omissions.

6. Accessing our website

Our website is made available free of charge, except for Restricted Content. We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. Access to our website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our website without notice. We will not be liable to you if for any reason our website is unavailable at any time or for any period. You are responsible for making all arrangements necessary for you to have access to our website. You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them. These terms of use allow access to non-restricted content which is displayed on our website. You may not access Restricted Content other than by following the procedures on our website for this access, including accepting the applicable Product Terms and Conditions. You may not (and may not attempt to) bypass, disable or circumvent any security features or processes on our website to access Restricted Content.

7. Age restriction

You must be at least 13 years old to use our website without the supervision of an adult.

8. Your account and password

In order to procure goods and services and to use certain parts of our website you are required to create an account which will contain certain personal details. You warrant that the information you submit is accurate, up-to-date and truthful. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use. Either we or you may terminate your account at any time. If we terminate your account you will be notified by email. We reserve the right to terminate without giving reasons.

9. No reliance on information

The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our website. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete or up-to-date

10. Limitation of our liability

Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law. To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our website or any content on it, whether express or implied.

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

  • use of, or inability to use, our website; or
  • use of or reliance on any content displayed on our website.
If you are a business user, please note that in particular, we will not be liable for:
  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • indirect or consequential loss or damage.

If you are a consumer user, please note that we only provide our website to you for domestic and private use. You agree not to use our website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our website. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them. Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any goods or services to you, which will be set out in the applicable Product Terms and Conditions.

11. Uploading content to our website

Whenever you make use of a feature that allows you to upload content to our website, or to make contact with other users of our website, you must comply with the content standards set out in clause 12 below. You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty. If you are a consumer user, this means you will be responsible for any loss or damage we suffer as a result of your breach of warranty. Any content you upload to our website will be considered non-confidential and non-proprietary. You grant to us and to other users of our website a perpetual licence to use, alter, store, copy and delete that content and to distribute and make it available to third parties. We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our website constitutes a violation of their intellectual property rights, or of their right to privacy. We will not be responsible, or liable to any third party, for the content or accuracy of any content posted by you or any other user of our website. We have the right to remove any posting you make on our website if, in our opinion, your post does not comply with the content standards set out in clause 12 below. The views expressed by other users on our website do not represent our views or values. You are solely responsible for securing and backing up your content.

12. Content standards

These content standards apply to any and all material which you contribute to our website (“Contributions”), and to any interactive services associated with it. Your Contributions must comply with the spirit and the letter of the following standards.

Contributions must:

  • Be accurate (where they state facts).
  • Be genuinely held (where they state opinions).
  • Comply with applicable law in the UK and in any country from which they are posted.
  • Contributions must not:
    • Contain any material which is defamatory of any person.
    • Contain any material which is obscene, offensive, hateful or inflammatory.
    • Promote sexually explicit material.
    • Promote violence.
    • Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age.
    • Infringe any copyright, database right or trade mark of any other person.
    • Be likely to deceive any person.
    • Be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence.
    • Promote any illegal activity.
    • Be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety.
    • Be likely to harass, upset, embarrass, alarm or annoy any other person.
    • Be used to impersonate any person, or to misrepresent your identity or affiliation with any person.
    • Give the impression that they emanate from us, if this is not the case.
    • Advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.

13. Viruses

We do not guarantee that our website will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform in order to access our website. You should use your own virus protection software. You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.

14. Third party links and resources in our website

Where our website contains links or references to other websites and resources of third parties, these links and referenced materials are provided for your information only. We have no control over the contents of those websites or resources.

15. Applicable law

If you are a consumer, please note that these terms of use, its subject matter and its formation, are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales. Contact us To contact us, please: email Thank you for visiting our site.

Privacy Policy

1. Terms of Privacy Policy

The LNAT Online Limited (“we”, “our” or “us”) are committed to protecting and respecting your privacy. This policy (together with our Website Terms of Use and any other documents referred to on it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. For the purpose of the Data Protection Act 1998 (the Act), the data controller LNAT Online Limited, 74 Kensington Park Rd, W11 2PL.

2. Information We May Collect From You

We may collect and process the following data about you: Information you give us. You may give us information about you by filling in forms on our website or (our website) or by corresponding with us by phone, e-mail or otherwise. This includes information you provide when you register to use our website, subscribe to our service, search for a product, place an order on our website, participate in discussion boards or other social media functions on our website, and when you report a problem with our website. The information you give us may include your name, address, school, e-mail address and phone number, financial and credit card information, personal description and photograph and academic information. Information we collect about you. With regard to each of your visits to our website we may automatically collect the following information: technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform; and information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our website (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer service number. Please also see the section about cookies in clause 3 below. Information we receive from other sources. We may receive information about you if you use any of the other websites we operate or the other services we provide. In this case we will have informed you when we collected that data that it may be shared internally and combined with data collected on this website. We are also working closely with third parties (including, for example, business partners, sub-contractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers, credit reference agencies) and may receive information about you from them.

3. Cookies

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our website. For detailed information on the cookies we use and the purposes for which we use them see our Cookies Policy.

4. Uses made of the Information

We use information held about you in the following ways: Information you give to us. We will use this information: to carry out our obligations arising from any contracts entered into between you and us and to provide you with the information, products and services that you request from us; to provide you with information about other goods and services we offer that are similar to those that you have already purchased or enquired about; to provide you, or permit selected third parties to provide you, with information about goods or services we feel may interest you. If you are an existing customer, we will only contact you by electronic means (e-mail or SMS) with information about goods and services similar to those which were the subject of a previous sale or negotiations of a sale to you. If you are a new customer, and where we permit selected third parties to use your data, we (or they) will contact you by electronic means only if you have consented to this. If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please tick the relevant box situated on the registration form on which we collect your data; to notify you about changes to our service; to ensure that content from our website is presented in the most effective manner for you and for your computer. Information we collect about you. We will use this information: to administer our website and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes; to improve our website to ensure that content is presented in the most effective manner for you and for your computer; to allow you to participate in interactive features of our service, when you choose to do so; as part of our efforts to keep our website safe and secure; to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you; to make suggestions and recommendations to you and other users of our website about goods or services that may interest you or them. Information we receive from other sources. We may combine this information with information you give to us and information we collect about you. We may us this information and the combined information for the purposes set out above (depending on the types of information we receive).

5. Disclosure of your Information

We may share your personal information with any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.

We may share your information with selected third parties including:

Business partners, suppliers and sub-contractors for the performance of any contract we enter into with them or you. Advertisers and advertising networks that require the data to select and serve relevant adverts to you and others. We do not disclose information about identifiable individuals to our advertisers, but we may provide them with aggregate information about our users (for example, we may inform them that 500 men aged 18 have clicked on their advertisement on any given day). We may also use such aggregate information to help advertisers reach the kind of audience they want to target (for example, women in SW1). We may make use of the personal data we have collected from you to enable us to comply with our advertisers’ wishes by displaying their advertisement to that target audience.

Analytics and search engine providers that assist us in the improvement and optimisation of our website. Credit reference agencies for the purpose of assessing your credit score where this is a condition of us entering into a contract with you.

We may disclose your personal information to third parties:

In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets. If LNAT Online Limited or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets. If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Website Terms of Use or Product Terms and Conditions and other agreements; or to protect the rights, property, or safety of LNAT Online Limited, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

6. Where we store your personal Data

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff maybe engaged in, among other things, the fulfilment of your order, the processing of your payment details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy. All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our website, you are responsible for keeping this password confidential. We ask you not to share a password with anyone. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

7. Your Rights

You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at

8. Status of this Policy and your Consent

For some of the uses of your information described above there is a legal basis for us to use the information without your consent. This includes, for example, legitimate provision of information to service providers acting on our behalf. Where this is the case, this privacy policy fulfils our duty to process information fairly, which includes giving you appropriate notice and explanation of the way in which your information will be used. Where consent is required for our use of your information, by submitting your information to us you consent to our use of that information as set out in this policy; and if you disclose someone else’s information to us, you confirm that you have their consent to disclose this information to us and for us to use and disclose it in accordance with this policy.

If you provide us with your sensitive personal data (for example, your state of health or any disabilities) you expressly consent to us using that data and disclosing it to our service providers for the purpose given. If you disclose someone else’s sensitive personal data to us you confirm that you have their consent to disclose this information to us and for us to use and disclose it to the relevant service providers for the purpose given.

9. Access to Information

The Act gives you the right to access information we hold about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £20 to meet our costs in providing you with details of the information we hold about you.

10. Deleting User Data - Right to Erasure

You have the right to request a deletion of all data associated with your registered account, including associated Platform Data of your Facebook account used for login purposes. Please email with subject line “Data Deletion Request” stating the request to delete the user data associated with your account which you may identify either by name or username or associated email address. You may receive a URL to track the status of your request to delete user data.

11. Other Websites

Our website may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates and other third parties. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies or the collection and use of your personal information on these websites. Please check these policies before you submit any personal data to these websites.

12. Changes to Privacy Policy

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our privacy policy.

13. Contact

Questions, comments and requests regarding this privacy policy are welcomed and should be sent to us via email

14. Effective Date

This Privacy Policy was uploaded to our website on August 20th, 2017 and applies from this date.

Cookies Policy

1. Our Cookies Policy

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. By continuing to browse the site, you are agreeing to our use of cookies. A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer’s hard drive. This Cookie Policy was uploaded to our website on August 20th, 2017, and applies from this date. We may amend this policy at any time.

2. Information about our Use of Cookies

We use the following cookies:
Strictly necessary cookies: are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services. Analytical/performance cookies: allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.

Functionality cookies: are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region). Targeting cookies: record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.