BACKGROUND:

This Policy applies as between you, the User of this Web Site and Perspective Risk the owner and provider

of this Web Site. This Policy applies to our use of any and all Data collected by us in relation to your use of

the Web Site and any Services or Systems therein.

1. Definitions and Interpretation
In this Policy the following terms shall have the following meanings:

"Account" means collectively the personal information, Payment Information and credentials used by Users

to access Material and / or any communications System on the Web Site;
"Content" means any text, graphics, images, audio, video, software, data compilations and any other form

of information capable of being stored in a computer that appears on or forms part of this Web Site;
"Data" means collectively all information that you submit to the Web Site. This includes, but is not limited

to, Account details and information submitted using any of our Services or Systems;
"Perspective Risk" means Perspective Risk Ltd, 62 Trinity Avenue, Northampton, NN2 6JN;
"Service" means collectively any online facilities, tools, services or information that Perspective Risk makes

available through the Web Site either now or in the future;
"System" means any online communications infrastructure that Perspective Risk makes available through

the Web Site either now or in the future. This includes, but is not limited to, web-based email, message

boards, live chat facilities and email links;
"User" / "Users" means any third party that accesses the Web Site and is not employed by Perspective Risk

and acting in the course of their employment; and
"Web Site" means the website that you are currently using (http://www.perspectiverisk.com) and any

sub-domains of this site unless expressly excluded by their own terms and conditions.

2. Data Collected
Without limitation, any of the following Data may be collected:
2.1 a list of URLS starting with a referring site, your activity on this Web Site, and the site you exit to

(automatically collected); and
2.2 No other information will collected, personal or otherwise.

3. Our Use of Data
3.1 Any personal Data you submit will be retained by Perspective Risk for as long as you use the Services

and Systems provided on the Web Site. Data that you may submit through any communications System that

we may provide may be retained for a longer period of up to 6 months.
3.2 Unless we are obliged or permitted by law to do so, and subject to Clause 4, your Data will not be

disclosed to third parties. This includes our affiliates and / or other companies within our group.
3.3 All personal Data is stored securely in accordance with the principles of the Data Protection Act 1998.

Fore more details on security, see clause 9 below.
3.4 Any or all of the above Data may be required by us from time to time in order to provide you with the best

possible service and experience when using our Web Site. Specifically, Data may be used by us for the

following reasons:
3.4.1 internal record keeping;
3.4.2 improvement of our products / services;
3.4.3 transmission by email of promotional materials that may be of interest to you;
3.4.4 contact for market research purposes which may be done using email, telephone, fax or mail. Such

information may be used to customise or update the Web Site.

4. Changes of Business Ownership and Control
4.1 Perspective Risk may, from time to time, expand or reduce its business and this may involve the sale of

certain divisions or the transfer of control of certain divisions to other parties. Data provided by Users will,

where it is relevant to any division so transferred, be transferred along with that division and the new owner

or newly controlling party will, under the terms of this Policy, be permitted to use the Data for the purposes

for which it was supplied by you.
4.2 In the event that any Data submitted by Users will be transferred in such a manner, you will be contacted

in advance and informed of the changes. When contacted you will be given the choice to have your Data

deleted or withheld from the new owner or controller.

5. Controlling Access to your Data
5.1 Wherever you are required to submit Data, you will be given options to restrict our use of that Data. This

may include the following:
5.1.1 use of Data for direct marketing purposes; and
5.1.2 sharing Data with third parties.

6. Your Right to Withhold Information
6.1 You may access certain areas of the Web Site without providing any Data at all. However, to use all

Services and Systems available on the Web Site you may be required to submit Account information or

other Data.

7. Security
7.1 Data security is of great importance to Perspective Risk and to protect your Data we have put in place

suitable physical, electronic and managerial procedures to safeguard and secure Data collected online.

8. Changes to this Policy
Perspective Risk reserves the right to change this Privacy Policy as we may deem necessary from time to

time or as may be required by law. Any changes will be immediately posted on the Web Site and you are

deemed to have accepted the terms of the Policy on your first use of the Web Site following the alterations.