These terms apply to your access and use of material on this site. You are responsible for bringing these terms to the attention of anyone who may access that material as a result of your use of this site.

Copyright.
This site is protected by copyright, other intellectual rights and all analogous rights. It is published by Mutual Reference Ltd (MRL) and may not be reproduced other than by downloading and viewing on a single CPU, and/or printing a single hard copy, for internal business use only. It is not to be otherwise reproduced, transmitted or made available on a network without the prior written permission of MRL. All other rights reserved.

The trade marks, logos and service marks shown on the site, unless otherwise specified, are the trade marks of MRL or its parent company. No rights are granted to use any of them without the written permission of MRL.

Any infringement of MRL's rights will result in appropriate legal action. If you require any further information please address your enquiry to mutual@mutualreference.com

Disclaimer
This site is for information only. MRL has used reasonable care and skill in compiling the content of this site but makes no warranty, express or implied, as to the nature or accuracy of any material on this site and cannot accept liability (including liability for any indirect loss or loss of profits or turnover) for any particular material or the result of any use made of it. MRL does not represent or make any warranty in respect of the reliability or continuous supply of this service.
This notice is made by Mutual Reference Limited, Registered in England No. 3898474 with Registered Office at 25 Hill Street, Mayfair, London W1J 5LW.

Linking.
Any framing of this site is prohibited. All links to this site must go to www.mutualreference.com. Please do not link directly to any other pages on this site. MRL cannot accept any responsibility or liability for access to, or the material on, any site which is linked from or to this site.

Data Ownership

All client data maintained by MRL remains the property of the Client at all times. Data is licensed to MRL under the terms of the service agreement (see Terms and Conditions) solely for the purposes of the industry specific Service noted in Terms and Conditions.
Data will not be sold or otherwise distributed outside the MRL subscriber base without the prior permission of the Client.
Mutual Reference Ltd is registered as a Data Processor under the terms of the Data Protection Act 1998.

This is a statement of Data Protection policy adopted by Mutual Reference LTD.
Mutual Reference Ltd. needs to collect and use certain types of information about people with whom it deals in order to operate. These include current, past and prospective employees, suppliers, clients/customers, and others with whom it communicates. In addition, it may occasionally be required by law to collect and use certain types of information of this kind to comply with the requirements of government departments for business data, for example. This personal information must be dealt with properly, however it is collected, recorded and used - whether on paper, in a computer, or recorded on other material - and there are safeguards to ensure this in the Data Protection Act 1998.
We regard the lawful and correct treatment of personal information by Mutual reference Ltd. as very important to successful operations, and to maintaining confidence between those with whom we deal and ourselves. We ensure that our organisation treats personal information lawfully and correctly.
To this end we fully endorse and adhere to the Principles of Data Protection, as enumerated in the Data Protection Act 1998.
Specifically, the Principles require that personal information:
· Shall be processed fairly and lawfully and, in particular, shall not be processed unless specific conditions are met;
· Shall be obtained only for one or more specified and lawful purposes, and shall not be further processed in any manner incompatible with that purpose or those purposes;
· Shall be adequate, relevant and not excessive in relation to the purpose or purposes for which they are processed;
· Shall be accurate and, where necessary, kept up to date;
· Shall not be kept for longer than is necessary for that purpose or those purposes;
· Shall be processed in accordance with the rights of data subjects under the Act;
· Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data.
· Shall not be transferred to a country or territory outside the European Economic Area unless that country or territory ensures an adequate level of protection for the rights and freedoms of data subjects in relation to the processing of personal data.
· Therefore, Mutual Reference Ltd. will, through appropriate management, strict application of criteria and controls:
· Observe fully conditions regarding the fair collection and use of information;
· Meet its legal obligations to specify the purposes for which information is used;
· Collect and process appropriate information, and only to the extent that it is needed to fulfil operational needs or to comply with any legal requirements;
· Ensure the quality of information used;
· Apply strict checks to determine the length of time information is held;
· Ensure that the rights of people about whom information is held, are able to be fully exercised under the Act. (These include: the right to be informed that processing is being undertaken, the right of access to one's personal information, the right to prevent processing in certain circumstances and the right to correct, rectify, block or erase information which is regarded as wrong information.);
· Take appropriate technical and organisational security measures to safeguard personal information;
· Ensure that personal information is not transferred abroad without suitable safeguards.

In addition, Mutual Reference Ltd. will ensure that:
· There is someone with specific responsibility for data protection in the organisation. (Currently, the nominated person is Keith Bailey);
· Everyone managing and handling personal information understands that they are contractually responsible for following good data protection practice;
· Everyone managing and handling personal information is appropriately trained to do so;
· Everyone managing and handling personal information is appropriately supervised;
· Anybody wanting to make enquiries about handling personal information knows what to do;
· Queries about handling personal information are promptly and courteously dealt with;
· Methods of handling personal information are clearly described;
· A regular review and audit is made of the way personal information is managed;
· Methods of handling personal information are regularly assessed and evaluated;
· Performance with handling personal information is regularly assessed and evaluated.