Saturday, September 26, 2009
Guide to Mortgage Payment Protection
Becoming unemployed can cause many problems, not least the fact that there simply may not be any money to pay the bills. Most people will agree that their home is their most important material possession, yet if mortgage payments cannot be made, the security of a home can be taken away. Read our guide to learn everything you need to know about protecting your mortgage payments.
Friday, September 25, 2009
Dollar hits 7-1/2-month low vs yen
NEW YORK: The dollar fell to a 7-1/2-month low beneath the key 90-yen level on Friday after the G20 pledged to continue emergency stimulus spending until a recovery takes hold, suggesting US interest rates would remain very low. The yen also got a boost after an influential former Japan finance official told Dow Jones Newswires that authorities were not likely to try halting yen gains unless the dollar fell below 85 yen. The dollar fared better against sterling, which fell to multi month lows a day after Bank of England Governor Mervyn King said a weak pound would help exports and the UK economy. But the euro edged higher against the greenback, helped by encouraging data showing that US consumer sentiment hit its highest level this month since January 2008. Stocks and the euro have focused on the improvement we ve seen in consumer confidence, said Kathy Lien, director of FX research at GFT Forex in New York. Stocks and currencies such as the euro are seen as reliant on strong global growth and tend to rally on good economic news, while the dollar often gets a bid when data is weak. The dollar was last down 1.6 per cent at 89.85 yen after hitting 89.78 yen earlier, the lowest since February. The euro also fell 0.9 per cent to 132.49 yen. The euro rose 0.3 per cent to $1.4701, boosted after encouraging US consumer sentiment data and a separate report showing new homes sales edged up in the United States in August. The pound fell to $1.5917, its lowest since early June, before edging back to $1.5986, down 0.4 per cent. It sank against the yen, falling as low as around 144.30 yen, its weakest since mid-May.
ECONOMIC INDICATORS
| Annual | 2008/09 |
| Foreign Debt | $50.1bn |
| Per Capita Income | $1046 |
| GDP Growth | 2.0% |
| Average CPI | 20.77% |
| Monthly | July |
| Trade Balance | $-1.15 bln |
| Exports | $1.49 bln |
| Imports | $2.64 bln |
| Weekly | September 10, 2009 |
| Reserves | $14.243.bln |
FOREX RATES (PAKISTAN)
| Updated on: Fri, September 25, 2009, 12:16 (PST) Courtesy : ECAP | |||
| Remittance | Buying | Selling | Trends |
| USD | 82.50 | 82.90 |  |
| GBP | 134.30 | 137.50 |  |
| SR | 21.88 | 22.11 |  |
| UAE | 22.34 | 22.62 | |
| NEWZ | 43.5 | 43.8 | |
| AUS | 70.45 | 71.61 | |
| EUR | 119.60 | 121.61 | |
| CAD | 74.84 | 76.09 | |
| HONG | 10.43 | 10.71 | |
| IND | 1.58 | 1.68 | |
| JPY | 0.8937 | 0.9063 | |
WTO asks Pakistan to increase fine,
LAHORE: The World Trade Organisation (WTO) has asked Pakistan and other under-developed countries to increase the fine and period of imprisonment for violators of Intellectual Property Rights (IPRs). The WTO had given a grace period of five years to signatory under-developed economies of South Asia including Pakistan to implement IPRs, which expired in 2007 but no concrete steps were taken on the issue.
The News has learnt that the organisation has asked Pakistan that being a signatory to the WTO agreement it should increase the penalty amount to Rs0.5 million from Rs0.2 million and imprisonment period to three years for the violators of IPRs. However, the government has not complied with the instructions of the WTO. Unawareness, low GDP growth and lack of education about IPRs are the basic reasons for non-implementation of the guidelines in the country. A mass awareness programme on IPR is needed in the country, says Majid Basheer, consultant of Intellectual Property Organisation (IPO) Pakistan. The chambers of commerce and industry, trade bodies and academia must launch training programmes and special courses on the IPR in order to avoid any restrictions from the WTO on Pakistan, he added.
The News has learnt that the organisation has asked Pakistan that being a signatory to the WTO agreement it should increase the penalty amount to Rs0.5 million from Rs0.2 million and imprisonment period to three years for the violators of IPRs. However, the government has not complied with the instructions of the WTO. Unawareness, low GDP growth and lack of education about IPRs are the basic reasons for non-implementation of the guidelines in the country. A mass awareness programme on IPR is needed in the country, says Majid Basheer, consultant of Intellectual Property Organisation (IPO) Pakistan. The chambers of commerce and industry, trade bodies and academia must launch training programmes and special courses on the IPR in order to avoid any restrictions from the WTO on Pakistan, he added.
Thursday, September 17, 2009
UK Motorcycle Insurance
MotorCycle Direct is one the UK's biggest and most competitive insurance brokers. You can get a motorcycle insurance quote and buy online anytime via our website. We work with a huge panel of insurance companies to make sure you always get our best deal. Click now for a low cost quote
Cheaper motorcycle insurance from Performance Direct
Save time, save money! let Performance Direct do all the hard work for you by searching over 30 insurance schemes to find you the best deal. Specialist schemes available for bikes over 500cc. Instant cover available - Open 7 days a week 363 days a year. Visit us today for an on-line quote.
FACT 9 out 10 bikers save money with a call to CIA
CIA Insurance is a specialist motorbike insurer with over 15 years experience in the UK. We guarantee not to be beaten on price or service, with 9 out of 10 bikers saving money with a call to CIA Insurance. CIA Insurance team up with all the leading motorcycle insurers to provide the best cover for you and your machine, whatever age, make or model. Give us a try
50to125.com
A unique scheme designed specifically for the internet, 50to125.com can provide not only an unbeatable price BUT can also provide on-line cover 24hrs a day. The scheme is administered by the UK's #1 (RIDE magazine) bike broker!*
For a deal on your bike insurance CLICK NOW
MCE Insurance have RED HOT deals for ANY AGE / ANY BIKE / ANY AREA (including Northern Ireland), including scooters, 125cc bikes, tourers, enduro, sports, super sports and quads. Not only will you get a deal on your insurance, but MCE's policies include Breakdown Recovery. CLICK NOW for a DEAL.
Hero
Hero could save you £££'s on your Insurance with specialist deals from a range of leading insurers and brokers all by completing just one form. Hero, we'll save you!
Click here for your GUARANTEED CHEAPEST bike insurance deal.
Are you aged 19 or over? If so then The Bike Insurer can now promise you the best insurance quotes on the web. All you need to do is get a quote now and if you find a cheaper online deal then we guarantee to beat it - simple as that. Claims + convictions are no problem either + all rates are guaranteed for 30 days. Our special price promise means you can save up to 55% compare to a single broker.
Swiftcover Bike Insurance
Looking for the cheapest motorcycle insurance? Time is money. Save it. With Swiftcover motorcycle insurance you get the fastest quotes around, with instant, no hassle cover from the biggest names in the market. Getting a quote is easy with Swiftcover + we'll SMS you your best quotes so you can buy when the time is right for you. Whether you're 16 or 60 you need to get Swiftcovered.
Tesco Saves You Up To £271
Nobody compares more bike insurance brokers than Tesco. With Tesco you compare much more than price. You can also compare instalments, excesses, policy features + all levels of cover at once. Get a quote today and we will even send you by email a FREE legal expenses policy worth up to £25.00. When you get your quotes we will even SMS you your cheapest deals as a reminder
Friday, September 11, 2009
Office Insurance
For most small businesses, the office is a busy environment and can involve a set of risks quite different to those you might encounter at home. With Constructaquote.com office cover, you can tailor a policy to suit your exact business needs and therefore only pay for what you need.
The below are just some of the cover types you can include with your office insurance policy:
Office building insurance
Most offices contain a lot of expensive equipment like computers, printers and photocopiers. As all of these tend to be placed in the same area of a building, the consequences of a burglary could be devastating to your business.
If you own or are responsible for insuring your office premises, this optional add-on will cover you should your building be the victim of theft or become damaged as a result of fire, flood or other such risks.
Public liability insurance
Public liability insurance is essential cover for any business that comes into regular contact with clients or members of the public (both in and out the office). If your business operations were to injure a member of the public or damage their property in some way, public liability insurance would cover you in the event of a claim being made against you.
Employers’ liability insurance
If you have employees working for you, you are legally obliged to have employers’ liability insurance. Every business in the UK that employs staff, regardless of size or turnover, is required to have at least £5 million of employers’ liability cover in place.
It is fairly typical for small offices to have large numbers of people working in a relatively small space. As such, the office can be prone to personal accidents, which if pursued in court could amount to large compensation claims against your business. Employers’ liability insurance could prove essential in removing this risk.
Restaurant Insurance
If you own or run a restaurant, you will understand how busy an environment it can be. We appreciate that free time can often be a luxury and try to support restaurant owners by making it as easy as possible to take out restaurant insurance.
We compare quotes from a range of restaurant insurance providers to get you the best deal we can. The below are some of the cover types you could include with your restaurant insurance policy:
Public liability insurance
Public liability insurance is essential cover for any business that comes into regular contact with clients or members of the public, which makes it essential insurance for restaurant owners. If your business operations were to injure or make ill a member of the public, public liability insurance would cover you in the event of a claim being made against you.
Employers’ liability insurance
If you have employees working for you, you are legally obliged to have employers’ liability insurance. Every business in the UK that employs staff, regardless of size or turnover, is required to have at least £5 million of employers’ liability cover in place.
Restaurant building insurance
If you own or are responsible for insuring your restaurant premises, this optional add-on will cover you should your building become damaged as a result of fire, flood, theft or other such risks.
Restaurant stock and contents
Stock and contents insurance insures you against the same risks as building insurance, but for your stock, equipment, fittings etc.
Business interruption
If your restaurant had to stop trading due to an unexpected occurrence such as a fire, flood or theft, business interruption would cover you for any income lost and additional expenditure spent during this period.
Landlord Insurance
As a landlord, you are responsible for insuring any let properties that you own. The risks associated with let properties are significantly different to owner occupied properties, so you need to make sure that the insurance you carry is completely sufficient.
Your exact requirements may vary depending on the types and number of properties in your portfolio. This is why we try to make our landlords insurance scheme as flexible as we can, allowing you to construct the policy most relevant to you. These are some of the key options available to you with a Constructaquote.com landlords' insurance policy:
Landlords’ contents insurance
If you have particularly valuable possessions in your property, such as expensive furniture or fixtures and fittings, it could cost you a lot to replace or repair these if they were to get damaged. Contents cover helps to transfer this risk by insuring your properties’ contents.
Landlords’ buildings cover
As a landlord, it is unlikely you will be able to supervise your property/properties all of the time. As such, it is important that you have complete peace of mind should an accident arise when you are not there.
Landlords’ buildings insurance covers your property against damage by fire, lightening, explosion, smoke, impact, burst pipes, storm, flood, subsidence and theft – so you can rest assured you will be covered for most eventualities!
Public and employers liability insurance
If your business operations were to injure a member of the public or damage their property in some way, public liability insurance would cover you in the event of a claim being made against you.
In addition to public liability, if you have employees working for you, you are legally obliged to have employers’ liability insurance. Every business in the UK that employs staff, regardless of size or turnover, is required to have at least £5 million of employers’ liability cover in place.
Van Insurance (10% discount when buying online)
Many small businesses couldn’t survive without the use of a van. Whether using it to make regular deliveries, transport vital tools and machinery, or to simply get around, many firms need their van to be operational at all times. It is therefore essential that these companies carry the right insurance so they can get back on the road quickly and easily should an accident occur.
Just like personal vehicles, it is compulsory that commercial vehicles are insured by their owners. We appreciate that free time can sometimes be a luxury and try to support businesses by making it as easy as possible to get a van insurance policy. This is why you can get a fast and competitive van insurance quote by going online, by phoning us direct, or even by getting us to phone you via our ‘callback’ option.
Just like personal vehicles, it is compulsory that commercial vehicles are insured by their owners. We appreciate that free time can sometimes be a luxury and try to support businesses by making it as easy as possible to get a van insurance policy. This is why you can get a fast and competitive van insurance quote by going online, by phoning us direct, or even by getting us to phone you via our ‘callback’ option.
Claims example
A consultant acted as an interim finance director for a client.
During the period of temporary employment, the client's suffered a downturn in its fortune: profits plummeted and staff were made redundant.
Unsurprisingly, fingers were pointed at the strategic decisions made by the consultant.
When the client sued the consultant for professional negligence, insurers stepped in to defend the allegations. Legal costs were covered and the consultant sustained minimal damage to his reputation.
During the period of temporary employment, the client's suffered a downturn in its fortune: profits plummeted and staff were made redundant.
Unsurprisingly, fingers were pointed at the strategic decisions made by the consultant.
When the client sued the consultant for professional negligence, insurers stepped in to defend the allegations. Legal costs were covered and the consultant sustained minimal damage to his reputation.
Why do I need Professional Indemnity insurance?
As a professional, you owe a legal ‘duty of care’ to your clients.
If you breach that duty of care by making a mistake in the services you provide, your client can claim compensation from you for losses and expenses caused by your negligence.
In today’s commercial environment, both individual clients and corporations seek compensation more frequently than ever before. Even if an allegation made against you is false, you'll still have to defend yourself.
Without insurance you'll have to find and brief your own lawyer - who may or may not be an expert in litigation.
Then, as well as paying the deposit most lawyers require upfront, you'll also have to cover the subsequent legal costs yourself and any compensation.
While in reality most claims are settled before they get to court, the legal costs involved, in even quite minor disputes, can build up very rapidly.
With Professional Indemnity cover, your insurer will defend claims on your behalf, and meet any damages you may have to pay.
In fact, with the right Professsional Indemnity policy, the only cost you’ll have to pay is the excess on the policy, no matter how high the lawyer’s fees.
If you breach that duty of care by making a mistake in the services you provide, your client can claim compensation from you for losses and expenses caused by your negligence.
In today’s commercial environment, both individual clients and corporations seek compensation more frequently than ever before. Even if an allegation made against you is false, you'll still have to defend yourself.
Without insurance you'll have to find and brief your own lawyer - who may or may not be an expert in litigation.
Then, as well as paying the deposit most lawyers require upfront, you'll also have to cover the subsequent legal costs yourself and any compensation.
While in reality most claims are settled before they get to court, the legal costs involved, in even quite minor disputes, can build up very rapidly.
With Professional Indemnity cover, your insurer will defend claims on your behalf, and meet any damages you may have to pay.
In fact, with the right Professsional Indemnity policy, the only cost you’ll have to pay is the excess on the policy, no matter how high the lawyer’s fees.
What's Professional Indemnity Insurance?
Professional Indemnity insurance protects you against claims made by dissatisfied clients.
If you find yourself in dispute with a client, your Professional Indemnity policy will cover the cost of defending any allegations or claims made against you, so you won't have to pay lawyers' fees.
If you're in the wrong, the insurer will either pay the cost of putting your mistake right, or pay compensation on your behalf.
Professional Indemnity insurance will:
•protect your financial interests
•minimise disruption to your business
•in certain circumstances your fees will be covered if a client refuses to pay because of your negligent act and theatens to counter-claim if you pursue what's owed to you
•protect you even if the claim against you is not valid
Your policy will also protect you against claims resulting from:
•the dishonesty of your employees, partners or directors
•defamation
•infringement of intellectual property rights
•negligent misstatement or misrepresentation
•loss of documents or data
If you find yourself in dispute with a client, your Professional Indemnity policy will cover the cost of defending any allegations or claims made against you, so you won't have to pay lawyers' fees.
If you're in the wrong, the insurer will either pay the cost of putting your mistake right, or pay compensation on your behalf.
Professional Indemnity insurance will:
•protect your financial interests
•minimise disruption to your business
•in certain circumstances your fees will be covered if a client refuses to pay because of your negligent act and theatens to counter-claim if you pursue what's owed to you
•protect you even if the claim against you is not valid
Your policy will also protect you against claims resulting from:
•the dishonesty of your employees, partners or directors
•defamation
•infringement of intellectual property rights
•negligent misstatement or misrepresentation
•loss of documents or data
10. Policy Administration
We may administer your policy and provide other services from centres in countries outside Europe (such as India and the USA) that do not always have the same standard of data protection laws as the UK. However, we will have a contract in place to ensure that your information is adequately protected, and we will remain bound by our obligations under the Data Protection Act even when your personal information is processed outside Europe.
© Lloyds TSB Insurance Services Limited 2004
*Lloyds Banking Group means the Lloyds TSB group of companies which includes all companies with the Lloyds TSB name, Cheltenham & Gloucester plc and Scottish Widows plc, and their associated companies.
© Lloyds TSB Insurance Services Limited 2004
*Lloyds Banking Group means the Lloyds TSB group of companies which includes all companies with the Lloyds TSB name, Cheltenham & Gloucester plc and Scottish Widows plc, and their associated companies.
9. Decision Making
Any decision made by us in relation to the services provided to you shall be final
8. Changes to Privacy Policy
Please note that this policy will be reviewed, and may change, from time to time. The revised policy will be posted to this page so that you are always aware of the information we collect, how we use it and under what circumstances we disclose it.
7. Security
You must not use any computers, computer equipment, network resources or any services provided by us for any illegal purpose, or for accessing, receiving or transmitting any material deemed illegal, indecent, offensive or otherwise unacceptable under UK law.
All passwords and usernames allocated to you must be kept secret and must not be disclosed to anyone without our prior written authorisation.
You must not use any false identity in email or other network communications.
You must not attempt or participate in, the unauthorised entry or viewing of another user's account or into another system.
You must not use the services and/or network systems or any part thereof for fraudulent activities, or to breach another organisation's security (cross-network hacking). This is an illegal act and prosecution under criminal law may result.
All passwords and usernames allocated to you must be kept secret and must not be disclosed to anyone without our prior written authorisation.
You must not use any false identity in email or other network communications.
You must not attempt or participate in, the unauthorised entry or viewing of another user's account or into another system.
You must not use the services and/or network systems or any part thereof for fraudulent activities, or to breach another organisation's security (cross-network hacking). This is an illegal act and prosecution under criminal law may result.
6. Accurate Information
We may check what you have told us and share that information with fraud prevention agencies. It is important that you give us accurate information. If you give us false or inaccurate data and we suspect fraud we will record this at the fraud prevention agencies.
You are responsible for informing us that your personal details have changed, for example a change of address or to your title. You confirm that you will inform us, by writing to your branch, of any change to your personal information as soon as is reasonably practicable in order that we may update our records. Please note that notification of any change to your personal information must be in writing, and should include your account numbers with us.
If you feel your privacy has been breached by us then please write to:
Customer Care
Lloyds TSB Insurance
Tredegar Park Newport NP10 8SB
You are responsible for informing us that your personal details have changed, for example a change of address or to your title. You confirm that you will inform us, by writing to your branch, of any change to your personal information as soon as is reasonably practicable in order that we may update our records. Please note that notification of any change to your personal information must be in writing, and should include your account numbers with us.
If you feel your privacy has been breached by us then please write to:
Customer Care
Lloyds TSB Insurance
Tredegar Park Newport NP10 8SB
5. Protecting your privacy
To the extent that sensitive personal data is processed about you, we will employ appropriate security measures given the nature of that data. However, you recognize that your use of the internet and our website is entirely at your own risk. We have tried to create a secure and reliable website for our users. However, we have no responsibility or liability for the security of personal information transmitted via the internet.
We may need to provide some of your personal information to third parties that we use for the purposes of delivering specific services to you (e.g. customer support, or a shipping company if you have asked us to send something to you).
Our website may provide links and banner advertisements to third party sites. Please note that we are not responsible for, and have no control over, information that is submitted to or collected by these third parties. Since we do not control those websites, you are responsible for reviewing and abiding by the privacy policies of these third party sites.
In the course of providing services to you, we may engage third parties to carry out certain services/operations on our behalf and transfer your personal information outside of the European Economic Area. We will employ appropriate security measures to protect your personal data where that is the case.
We may need to provide some of your personal information to third parties that we use for the purposes of delivering specific services to you (e.g. customer support, or a shipping company if you have asked us to send something to you).
Our website may provide links and banner advertisements to third party sites. Please note that we are not responsible for, and have no control over, information that is submitted to or collected by these third parties. Since we do not control those websites, you are responsible for reviewing and abiding by the privacy policies of these third party sites.
In the course of providing services to you, we may engage third parties to carry out certain services/operations on our behalf and transfer your personal information outside of the European Economic Area. We will employ appropriate security measures to protect your personal data where that is the case.
4. Monitoring
We may monitor, record, store and use any telephone, e-mail or other electronic communications with you for training purposes, so that we can check any instructions given to us and to improve the quality of our customer service.
We will monitor network traffic from time to time for the purposes of backup and problem solving and in order to ensure that you are not misusing any of the services provided to you.
We will monitor network traffic from time to time for the purposes of backup and problem solving and in order to ensure that you are not misusing any of the services provided to you.
3. Use of cookies
This website uses cookies. Cookies collect information about your use of the website, including things like your connection speed, details of your operating system, the time and duration of your visit and your IP address. The information collected by cookies enables us to understand the use of our site, including the number of visitors we have, the pages viewed per session, time exposed to particular pages etc. This in turn helps us to provide you with a better experience, since we can evaluate the level of interest in the content of our website and tailor it accordingly. We will not attempt to personally identify you from your IP address unless required to as a matter of law or regulation or in order to protect our, or our other customers', rights.
Most browsers automatically accept cookies. You can set your browser options so that you will not receive cookies and you can also delete existing cookies from your browser. However you may find that some parts of the site will not function properly if you refuse cookies.
Most browsers automatically accept cookies. You can set your browser options so that you will not receive cookies and you can also delete existing cookies from your browser. However you may find that some parts of the site will not function properly if you refuse cookies.
2. Lloyds TSB Home Insurance
Lloyds TSB Home Options Insurance is underwritten by a panel of insurers (Allianz, AXA, Lloyds TSB General Insurance Limited, Fortis, Groupama, Royal & Sun Alliance, MMA Insurance, Sterling), which exchange data with approved organisations for underwriting and fraud prevention purposes.
Lloyds TSB Personal Home Plan is underwritten by Lloyds TSB General Insurance Limited.
Lloyds TSB Personal Home Plan is underwritten by Lloyds TSB General Insurance Limited.
1. How your personal information is used by the Lloyds Banking Group
Lloyds TSB Insurance Services Limited may keep your personal details, given to us by you or others during your relationship with us and other companies in the Lloyds Banking Group, in a Lloyds TSB database. These include:
details you give us on application forms or during conversations with you on the telephone or at any of our branches,
details you give us so that we can provide you with non-financial goods and services,
details we receive from credit reference and fraud detection agencies,
data that insurers require for insurance administration.
You agree that we and other companies in the Lloyds Banking Group may use and update this centrally held information:
for credit and credit related services and to manage your accounts,
for motor, household, credit, life, and other insurance proposals or validating claims (including but not limited to the Claims and Underwriting Exchange register run by Insurance Database Services Limited),
to provide you with other services,
to identify other products and services which might be suitable for you and send you information about them,
to recover debts and to assist in debtor tracing,
to prevent and detect fraud,
to update our records about you,
to prevent money laundering, and
to check your identity.
You agree that we may use your personal information to make a credit check on you before we provide you with any services. These searches will be recorded by the credit reference agencies. We may disclose information about how you run your accounts to the credit reference agencies. We and other organisations may also use credit reference agency and fraud prevention agency records that we receive about you, people financially linked to you and others in your household to help make decisions about you and them.
We may also use your information for research and statistical analysis with the aim of improving our services.
When assessing an application and managing your borrowing with us, we may use automated decision making systems.
If you are applying for a service in joint names, this will create a financial link between both applicants in both our records and the records at the credit reference agencies. This means that your financial affairs and those of your joint applicant may be treated as affecting each other. A joint account means that we may give any information about that account to either of the applicants (even if you choose that both of you must sign instructions to us).
If you request it, on payment of a fee, which is currently £10, we will provide you with a copy of the personal information to which you are entitled that we hold about you.
The information we hold about you is confidential. We will only disclose it outside the Lloyds Banking Group when:
you give us your consent,
it is needed by certain reputable third parties involved in running accounts and/or providing services for you (for example, credit reference agencies who do credit checks for us),
in order to obtain professional advice,
we or others need to investigate or prevent crime (e.g. to fraud prevention agencies),
the law permits or requires it, or any regulatory or governmental body requests or requires it, even without your consent or,
there is a duty to the public to reveal the information.
details you give us on application forms or during conversations with you on the telephone or at any of our branches,
details you give us so that we can provide you with non-financial goods and services,
details we receive from credit reference and fraud detection agencies,
data that insurers require for insurance administration.
You agree that we and other companies in the Lloyds Banking Group may use and update this centrally held information:
for credit and credit related services and to manage your accounts,
for motor, household, credit, life, and other insurance proposals or validating claims (including but not limited to the Claims and Underwriting Exchange register run by Insurance Database Services Limited),
to provide you with other services,
to identify other products and services which might be suitable for you and send you information about them,
to recover debts and to assist in debtor tracing,
to prevent and detect fraud,
to update our records about you,
to prevent money laundering, and
to check your identity.
You agree that we may use your personal information to make a credit check on you before we provide you with any services. These searches will be recorded by the credit reference agencies. We may disclose information about how you run your accounts to the credit reference agencies. We and other organisations may also use credit reference agency and fraud prevention agency records that we receive about you, people financially linked to you and others in your household to help make decisions about you and them.
We may also use your information for research and statistical analysis with the aim of improving our services.
When assessing an application and managing your borrowing with us, we may use automated decision making systems.
If you are applying for a service in joint names, this will create a financial link between both applicants in both our records and the records at the credit reference agencies. This means that your financial affairs and those of your joint applicant may be treated as affecting each other. A joint account means that we may give any information about that account to either of the applicants (even if you choose that both of you must sign instructions to us).
If you request it, on payment of a fee, which is currently £10, we will provide you with a copy of the personal information to which you are entitled that we hold about you.
The information we hold about you is confidential. We will only disclose it outside the Lloyds Banking Group when:
you give us your consent,
it is needed by certain reputable third parties involved in running accounts and/or providing services for you (for example, credit reference agencies who do credit checks for us),
in order to obtain professional advice,
we or others need to investigate or prevent crime (e.g. to fraud prevention agencies),
the law permits or requires it, or any regulatory or governmental body requests or requires it, even without your consent or,
there is a duty to the public to reveal the information.
Travel Insurance
Everyone wants to relax and enjoy their holiday. You can too with travel insurance from Lloyds TSB offering you peace of mind when you are far from home. For family cover, travellers up to 74 years old, a one-off trip or several during the year, from Europe to the USA, the Caribbean and back again, be confident you're covered while travelling.
Tuesday, September 1, 2009
Compare PUBLIC LIABILITY and BUSINESS INSURANCE QUOTES NOW. Save £££'s on your insurance policy with Simply Business.
Compare business insurance quotes in minutes from leading insurers, including; Zurich, Aviva, AXA, Hiscox, Groupama and many more! We quote over 95% of UK businesses, from tradesmen to home-workers, shops to professional consultants. Buy online 24/7 or speak to our UK based insurance specialists. No hidden fees or charges guaranteed.
Click here for Lloyds TSB Business Insurance Quote
Lloyds TSB Essential Business Insurance offers you a broad and flexible range of insurance products to cover your business needs. A quick and professional service, you can tailor the optional covers you buy to suit your needs.
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