WELCOME..............................................................ixChapter 1 MIND OVER MATTER...........................................1Chapter 2 BLACK AND WHITE............................................11Chapter 3 STOP!......................................................21Chapter 4 LET THE SAVINGS BEGIN!.....................................27Chapter 5 CHIP, CHIP, CHIP AWAY......................................37Chapter 6 GIVE ......................................................47Chapter 7 ... AND "TAKE"?............................................55Chapter 8 WHAT DO YOU WANT TO DO WITH YOUR LIFE?.....................63Chapter 9 NOW, THE END IS NEAR ......................................75Chapter 10 "A FINAL WORD"............................................79ABOUT THE AUTHOR.....................................................93

Chapter One

MIND OVER MATTER

"What's the matter?"

How many times have you heard that question? The most common response to that question is "Nothing," which frequently translates to "Leave me alone!"

Now, however, something is "the matter" and most importantly, you are facing it, and not hiding from it. GREAT!!

Maybe this credit card debt has been gnawing at you for a long time. Maybe it has frustrated you, angered you, but you didn't know what to do about it. Fear not! You are NOT helpless!! Others, like me, have climbed out of the debt hole and are now standing solvent ... happy and at peace. You will, too!! This book will show you how.

The first thing to know is that this "climb from debt to freedom" is a psychological one. In fact, it's as much psychological as it is material; for some, it might be EVEN MORE psychological than material. By this, I mean that if you believe that you can be debt free, you will be. If you see yourself as debt free, you will be. Ask yourself what a life of debt freedom looks like just for you. How would you feel? How would you think? How would you act ... on a daily basis? How much different would this life be from the one that you live now? Many people cannot imagine this type of life because all they've known until now is payments, overdue notices, collection calls, and at the very least a paycheck-to-paycheck existence. Of course, this weighs on your mind; it's how you've been conditioned for so long. So with knowledge and a determined effort to rid this toxin known as credit card debt from your life, your mindset will ultimately change from one of poverty to one of prosperity.

As you forge your way, there will be some days when you will feel great, like you are making huge strides toward "Zero Balance Land." And you are, simply because your thoughts are now focused on the positive, proactive steps that are required to reach solvency. Your actions then are "reflections" of your thoughts and when you progress with your goal in mind, there's only one way to go.............FORWARD!

Then there will be other days when you will want to "throw in the towel" and give up. The "unexpected" events of life happen and usually at the "wrong" time (like there's ever a right time for the problems of life). The car breaks down, your child breaks his/ her arm, the water heater springs a leak, and (add your own items here). These are the circumstances that will test your endurance to see how "serious" you really are about getting out and staying out of credit card debt. This can happen at any time: as soon as you decide to begin your journey to freedom, when you have made a significant dent in your indebtedness, when you are nearing total freedom from debt or at any other point along the way. In other words, be ready every day to face this challenge. I'm not saying to expect it every day. You don't want to taint your voyage with negative thoughts, just like you wouldn't want to fear getting lost every mile of the way along a cross-country trip. However, be prepared. What will you do when these things happen? How will you respond? It's not a question of if these challenges occur; the question is, "How will you act when they occur?" It is a choice — will you be proactive or reactive? Will you remain victorious and positive and consider alternatives to encounter this unforeseen occurrence, or will you be a victim whose negativity blocks you from envisioning creative solutions to these events, solutions that will help you to avoid debt and keep you on the road to affluence?

Again, it is a choice.

Trust me, expect both types of days along the way. There will even be days when you will not think about your debt at all. Imagine! It might be hard to believe now, especially if you are a frequent card user who habitually "swipes" it for everything from a twenty-five-cent pack of gum to a $2,500 vacation. But yes, there will be times when your credit cards will NOT weigh on you. You will not think about using them, and you will not think about your outstanding balances. When this happens, you'll know that you are starting to get a handle on your card use, your overall spending, and simultaneously your debt load. You are reforming your habits. You'll realize that those little pieces of plastic are not necessary appendages. They are simply little annoyances which now have a gradually diminishing effect on your life. AWESOME!! That's a step in the right direction.

Let's have some fun as we embark on this journey together.

"Debt? Fun?!?"

Yes, let's make it a game — dare I say a "Mind Game?" The "Mind Game," however, has positive results. You are the only player; you make all the rules. There are no losers and only one winner........................YOU!!

In this game, you must first change your mind about credit card debt. Until now, you may have thought that you had to use your credit card many times during the course of the week or the month in order to make ends meet ... or to survive. It doesn't need to be that way.

So the first "rule" is to think about how you use credit cards. It's possible that that "swiping motion" you've been making at cash registers all over town has become a "reflex action." It has become such a habit that you don't hear the trumpets blare or the chorus chant "CHARGE IT!" as that piece of plastic runs through that "friendly" device, which ultimately pushes you deeper and deeper into "the abyss." It has become a "mindless" habit. Now that will change.

To gain control of your spending, I highly recommend that you track your spending in writing. You want to make yourself accountable for every penny you spend. This may sound tedious at first, but like any habit, it will become second-nature once you get used to it. And whereas your habitual credit card use caused harsh consequences in your life, listing your cash purchases will be empowering because you will see immediately where your cash is going. It "hurts" a little when you spend cash; your wallet or pocketbook feels a little lighter. When we use cash, we actually have to part with something, and many of us don't like parting with our money. But this is really the only way to break our "reliance" on credit cards. So, writing down your purchases and their costs gets you thinking about what you buy and why you buy. This was the first proactive step I took once I decided that I was sick and tired of credit card debt.

So, here's my suggestion:

For two weeks (14 days), list everything that you buy and the exact cost of the item. I mean everything — to the penny. Don't round up or down. Be exact. Remember, we're replacing unproductive habits with productive ones, and you want an exact picture of what your spending looks like. So, be precise and accurate.

When should you start this practice? My answer is: "The sooner, the better!"

Some people are ready to start right away; others need a couple of days to get mentally prepared for this shift in consciousness and to prime themselves for jotting down all of their purchases. Decide for yourself when you want to start, but please do this. Once I got used to writing down what I bought and its cost, I started to like the process. I always had a pen on me anyway, so now I just had to get used to carrying around a little spiral notepad. Don't rely on your memory — you have a lot going on in your life between work, home, and other activities. As soon as you have paid for your items, write them all down. Don't worry about what other people might be thinking — they're probably in debt, too! The only difference is — YOU are getting out. Them? Probably not (at least not until they start making positive strides — like YOU!).

By focusing on cash payments and being diligent in listing my purchases, I saw that I could get through the day without using my credit card. I also started to cut out some unnecessary expenditures, like an extra cup of coffee or a bag of pretzels. I felt better about myself in the process.

Here is a look at one of my (partial) spending lists:

Monday, June 5

Breakfast (Egg on a roll and coffee) = $2.85

Gas = $5.00

Dinner (Turkey Hero) = $2.15

Tuesday, June 6

Breakfast (Pancakes and coffee) = $4.50

Lunch (2 slices of pizza and soda) = $3.24

Laundry = $8.00

Wednesday, June 7

Coffee = .85

Miscellaneous (Lottery) = $1.00

Lunch (Turkey & Swiss on rye, chips, coffee) = $5.62

Entertainment (Movies) = $8.00

Thursday, June 8

Breakfast (Bagel & Coffee) = $1.50

Newspaper = .50

Gas = $7.00

Groceries = $15.45

And the list continued in similar fashion. After several days of listing my expenses, I realized a few things: 1) it was easy to take a few seconds to write down these purchases, 2) I liked how it felt to "be aware" of my purchases, and 3) I spent a significant amount of money eating out. That has been reduced over the years, not eliminated (I do like to eat out occasionally), but now I keep a closer eye on this component of my spending.

Yes, you do need to go shopping for the essentials and it's OK to buy the occasional (please highlight, underline or put stars around that word) treat while you march towards your zero balances. I encourage you to treat yourself once in a while (not to a new jet-ski but to something small) so as to avoid falling prey to a poverty mentality. Now, you will think about how you will pay for things.

Suggestion............................Pay Cash!

Keep this in mind — Nobody can get out of credit card debt by using their credit cards.

In essence, you will be trading one habit for another. You will get into a "cash habit" while breaking the "plastic habit."

NOTE — Not all habits are bad. By getting on a steady cash "diet," you will likely reduce your spending. You will think more carefully about your purchases than if you buy "on credit" and in relatively short order, your credit card debt will be reduced too, just as one's waistline reduces when he or she stays away from the junk food and makes a conscious effort to exercise — little things like taking the stairs at work instead of the elevator. You have to think about how you eat. You have to think about how you spend.

Once you start thinking actively about what you buy and how you pay for it, you will start gaining control of your spending habits. This realization will be empowering and you'll believe that you really can and will get out of debt.

You Win The Game!! It truly is a case of "Mind Over Matter."

Notes:

______________________________________________________________

_____________________________________________________________

Chapter Two

BLACK AND WHITE

OK, so you're "in the red." What does that mean? You're in debt.

No, no, I'm not condemning you. Remember, I used to be in debt, too. I was once where you are now. And as I wrote in the introduction of this book, I will help you get out of debt.

However, in order to reach "Zero Balance Land," we must face facts. No one ever got out of debt using "the Ostrich Method" — that is, sticking his or her head in the sand and hoping the problem simply goes away. That might be "fantasy land," but this is real life.

But you already know that — so let's move on.

You must know exactly how much credit card debt you have presently ... to the penny.

Studies show that most people with significant balances on their cards have little or no idea how much they owe. They estimate, they guess, they deny, but they don't know.

Frequently, debtors fall into one of three particular categories. One group approximates the amount owed (these people are often too low or even too high in their estimations.) Upon learning the actual amount owed, they realize that they'd "better do better" than take a "wild guess" about their balances.

Members of a second group, when asked how much they owe, look like the proverbial deer in the headlights as utter panic sets in upon hearing this question. Some even act as if a value judgment is being passed on them, or like the police have been called to "take them away" like criminals. NOTE — there is no debtor's prison. These people are scared, maybe guilty, because they don't know how much they owe. They use their cards "blindly" and have a vague idea that maybe they are approaching their credit limits on certain cards. Prior to the collapse of the financial industry in 2008, in these cases, a short phone call usually raised their available credit. Banks were only too happy to give these people more credit when they were making only the minimum payment and occasionally incurring the $29 or $35 late fee. The longer banks can keep you in debt, the happier they are. Banks are enablers in this case — credit is the "drug." If they see that you're "hooked," meaning you're a frequent "user" who seems unable to go without a "fix," they tempt you further, sometimes subtly, sometimes overtly.

So the question, "How much do you owe?" should serve as a wakeup call to people in this category.

A third group (the great minority) is composed of people who are able to say with certainty the amount that they owe. These people know, almost always to the penny, what their balances are and to whom this money is owed. This is not a "lucky guess." They keep close records, file their statements carefully, and pay their balances on time month after month. Regularly, they talk with their spouses, partners, children, or other trusted people about their finances. This creates an accountability factor which helps discipline these people to pay their bills.

In short, these people are "in the know." They take the time to maintain a handle on their finances and spending habits. It's no coincidence that they carry little or no debt most of the time, barring the unforeseen emergency. It's not because they are better than everyone else, or they make a six-figure salary. They've simply prioritized their finances and paid attention, instead of interest.

Our goal is to be a part of that third group. With the appropriate mindset and determined actions, you can be a part of that group.... if you truly want to be.

Now remember that in Chapter One, we established that getting out of debt is a game that you will win, so let's take our first proactive step in making this victory a reality. Likely, you've heard the statement "Knowledge is power." That is partly true. Yes, you need knowledge (or know-how) to get out of credit card debt, or to do nearly anything in life.

But without action, knowledge sits in your head, seeking an outlet. Knowledge is like water in a faucet. If you want a glass of water, simply knowing that water is in the faucet will not quench your thirst. You need to grab a glass, put it under the spigot, and turn the knob in order for the water to come out (and, oh yes, don't forget to drink).

Action steps are mandatory in order to arrive at your desired destination, whether it is to hydrate yourself or to eliminate your debt. So let's alter the statement to read "Applied knowledge is power." This foreshadows Chapter Five, but it's important to set out here that there will be some work involved when it comes to reaching solvency. But a little hard work is a good thing!

For now, though, our first step is to know what you owe on each and every card. So go to your wallet, purse, pocketbook, file cabinets, wherever you keep your cards. Gather and count how many cards you have and write their names on a piece of paper, in no particular order. This is just an inventory to make sure that every card has been accounted for.

Once you have done that, then take out your latest statements for each of these cards. You may find these where you keep your cards or they may be elsewhere. Just take your time and look for them. Frequently when we get overwhelmed by debt or try to deny its existence, we scatter our statements or put them where we cannot readily get to them. This is the "out of sight, out of mind" mentality in which we hope that our debts simply go away. That won't happen. However, the good news is that once we make up our minds to cut into our debts, our efforts/actions become concentrated and we replace the aforementioned "Ostrich Method" with "Eagle's Wings." You are ready to soar! Positive results follow. We install a system that allows us to easily oversee our statements. This means keeping them all in one easy-to-reach location.

(Continues...)

Excerpted from Master The Cardby Joe Paretta Copyright © 2010 by Joseph R. Paretta. Excerpted by permission of BALBOA PRESS. All rights reserved. No part of this excerpt may be reproduced or reprinted without permission in writing from the publisher.
Excerpts are provided by Dial-A-Book Inc. solely for the personal use of visitors to this web site.

"Descrizione articolo" può appartenere a un’altra edizione di questo titolo.

PBShop.store UK

Fairford, GLOS, Regno Unito

Venditore con 5 stelle

Venditore AbeBooks dal 11 giugno 1999

Tariffe di spedizione da Regno Unito a U.S.A.

Articolo	Da 10 a 20 giorni lavorativi	Da 10 a 20 giorni lavorativi
Primo articolo	EUR 3,94	EUR 3,94

I tempi di consegna sono stabiliti dai venditori e variano in base al corriere e al paese. Gli ordini che devono attraversare una dogana possono subire ritardi e spetta agli acquirenti pagare eventuali tariffe o dazi associati. I venditori possono contattarti in merito ad addebiti aggiuntivi dovuti a eventuali maggiorazioni dei costi di spedizione dei tuoi articoli.

Metodi di pagamento

Descrizione dello Store

**Please note our transit times are from the date of dispatch.** We first started out as “The Paperback Exchange,” a chain of physical bookstores where we would part exchange your beloved books for new stories to transport you to faraway places. However, as shopping started to evolve to online shops and marketplaces, we bid our stores goodbye to become “PBShop.” This transition has only allowed us to blossom as we now ship thousands of titles to book lovers across the globe. We pride ourselves in being a community of local book lovers which allows our passion and devotion to shine in everything we do. In 2020 we not only celebrated our 20th birthday but our 1st birthday as being completely employee owned after becoming an E.O.T in September 2019. We are proud to be different and embrace standing apart on a book mountain by working from a virtual inventory which allows us to provide thousands of books that may be difficult to get for your bookshelf or your studies. Working with a number of different suppliers allows us to explore other avenues such as puzzles, sheet music and even stationery so we really do have something for everyone. Life is about being versatile in all realms of existence. If this is your first purchase with us, or you are a returning customer, we would like to welcome you to the PBShop family, for there is no friend as loyal as a book. We are a company who put our customers at the centre of everything we do as we understand the importance of reading because once you learn to read, you will forever be free. There are a whole lot of things in this world of ours that we are yet to explore, which is why we will forever inspire curious minds.…

Specializzazione

Hardbacks, Paperbacks

Informazioni sull’azienda del venditore

Pbshop.co.uk

Unit 22 Horcott Industrial Estate, Horcott Road
Fairford, Regno Unito GL7 4BX

Contatta il venditoreVisualizza gli articoli di questo venditoreVisita la vetrina del venditore

Condizioni di vendita

Returns Policy
We ask all customers to contact us for authorisation should they wish to return their order. Orders returned without authorisation may not be credited.
If you wish to return, please contact us within 14 days of receiving your order to obtain authorisation.
Returns requested beyond this time will not be authorised.
Our team will provide full instructions on how to return your order and once received our returns department will process your refund.
Please note the cost to return any unwanted order to us is borne by the buyer.
Should your order arrive damaged, not as advertised or faulty, we must be advised of this within 14 days of delivery. Please contact us so we can find the best solution for you.

Our Customer Care Team can be contacted by emailing alborders@paperbackshop.co.uk, or by calling our UK Office on +441285 712 917. We are available 9:00am till 5:30pm GMT Monday to Friday.

Diritto di recesso

Se sei un consumatore puoi recedere dal contratto in conformità con quanto segue. Per Consumatore si intende qualsiasi persona fisica che agisce per scopi estranei alla propria attività commerciale, imprenditoriale, artigianale o professionale.

Informazioni sul diritto di recesso

Diritto legale di recesso

Hai il diritto di recedere dal presente contratto entro 14 giorni senza fornire alcuna motivazione.

Il periodo di recesso scade dopo 14 giorni dal giorno in cui tu o una terza parte, diversa dal vettore e da te indicata, acquisisce il possesso fisico dell'ultimo bene o dell'ultimo lotto o pezzo.

Per esercitare il diritto di recesso, compila e invia elettronicamente una dichiarazione esplicita sul nostro sito Web, alla voce “I miei acquisti” nella sezione “Mio account”. Ti comunicheremo senza indugio una conferma di ricezione di tale recesso su un supporto durevole (ad es. via e-mail).

Per rispettare il termine di recesso, è sufficiente inviare la comunicazione relativa all'esercizio del diritto di recesso prima della scadenza del periodo di recesso stesso.

Effetti del recesso

In caso di recesso dal presente contratto, ti rimborseremo tutti i pagamenti ricevuti, compresi i costi di spedizione (ad eccezione dei costi supplementari derivanti dalla tua eventuale scelta di un tipo di spedizione diverso dal tipo meno costoso di consegna standard da noi offerto).

Potremo effettuare una detrazione dal rimborso per la perdita di valore dei beni forniti, qualora tale perdita sia il risultato di una manipolazione non necessaria da parte tua.

Eseguiremo il rimborso senza indebito ritardo e non oltre 14 giorni dal giorno in cui saremo informati della tua decisione di recedere dal presente contratto.

Il rimborso sarà effettuato utilizzando lo stesso mezzo di pagamento da te usato per la transazione iniziale, salvo che tu non abbia espressamente concordato altrimenti; in ogni caso, non dovrai sostenere alcun costo quale conseguenza di tale rimborso.

Possiamo trattenere il rimborso finché non avremo ricevuto i beni oppure finché non avrai fornito la prova di averli rispediti, a seconda di quale condizione si verifichi per prima.

Dovrai rispedire i beni o consegnarli a PBShop.store UK, Fairford, United Kingdom, +44 1285 712917, senza indebito ritardo e, in ogni caso, entro 14 giorni dal giorno in cui ci hai comunicato la tua volontà di recedere dal presente contratto. Il termine è rispettato se rispedisci i beni prima della scadenza del periodo di 14 giorni. I costi diretti della restituzione dei beni saranno a tuo carico. Sei responsabile solo della diminuzione del valore dei beni risultante da una manipolazione diversa da quella necessaria per stabilire la natura, le caratteristiche e il funzionamento dei beni stessi.

Eccezioni al diritto di recesso

Il diritto di recesso non si applica a:

La fornitura di giornali, periodici o riviste ad eccezione dei contratti di abbonamento; e
La fornitura di contenuto digitale non fornito su un supporto materiale (ad es. su un CD o DVD), se al momento dell'invio dell'ordine hai accettato l'inizio dell'esecuzione e hai riconosciuto che non avresti potuto recedere una volta iniziata l'esecuzione.

Condizioni di spedizione

Orders are shipped from our UK warehouse. Delivery thereafter is between 4 and 14 business days. Please contact us if you have any queries about our services or products.

Privacy e sicurezza

We are committed to protecting the privacy and security of personal data. This policy tells you how we will collect and use your personal data, and what you should expect in respect of the personal information about you that we have collected.

We are PBShop.co.uk Limited (registered in England & Wales with Company No: 9366362). Our registered office is at Swatton Barn, Badbury, Swindon, SN4 0EU, United Kingdom.

The person with responsibility for our data protection compliance is the Managing Director and they can be contacted via email at help@pbshop.store.

We are the data controller of the personal data that we keep and use, and we are therefore responsible for making sure that our systems, processes and people comply with the relevant data protection laws in respect of that personal data.

We will act in respect of personal data to comply with the six principles of the General Data Protection Regulation (“GDPR”), which are:

Lawfulness, fairness and transparency;
Purpose limitation;
Data minimisation;
Accuracy;
Storage limitation;
Integrity and confidentiality.
You have rights in respect of how your personal data can be processed; these include the right to request:

a copy of your personal data;
that inaccurate data is rectified; and
that your personal data is, in certain circumstances, erased or restricted.
You have the right to complain to the Information Commissioner, which you can do by contacting the Information Commissioner’s Office (ICO) directly. Full contact details, including a helpline number, can be found on the ICO website (www.ico.org.uk). This website also has useful information on your rights and our obligations. However, please raise any concerns or issues with us first so that we may deal with this as quickly as possible for you.

COLLECTION, USE AND DISCLOSURE OF PERSONAL DATA
We collect and process data for the following reasons:

personal data collected and created in relation to our selling books and other items; and
personal data relating to our people (which means those people working for our company, or providing services to us, or potentially working or providing services to us, including employees, consultants, temporary or casual workers and contractors).
All of our people are required to abide by our Privacy Policy when handling personal data, and are provided with appropriate data protection training. Any breach of data protection will be taken seriously, and may result in disciplinary action.

Selling books and other items
COLLECTION:
We will collect personal information which may include names, addresses and other information for our customers. This will be done for the management of the commercial relationship with our customers.

We may collect this personal data from you directly, and also from third parties, including publicly available third party sources. Additional personal data will be collected as it is created by or supplied to us in the course of anything we do for you.

USE:
We will use the personal data in the course of making sales and to comply with requirements that we are required to undertake.

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

in performance of a contract (the agreement to sell books and other items); and/or
compliance with a legal obligation; and/or
vital interests of the data subject; and/or
where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
We may also use your personal data in the following situations, which are likely to be far less common:

where we need to protect your interests (or someone else’s interests);
where it is needed in the public interest or for official purposes.
DISCLOSURE:
We may share personal data with third parties as is necessary in the sale of books and other items, including to third party providers who deliver services to support the operation of our company.

In respect of all disclosures of personal data, we will only share the personal information which is necessary for the particular purpose for which it is provided, or where we have another legitimate interest in doing so, and we will ensure that the personal data is appropriately protected.

RETENTION PERIOD:
We will keep personal data only for as long as is necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, accounting or reporting requirements. Normally, our retention period for personal data collected for this purpose is a minimum of 6 years after the end of the period that we are selling books and other items.

Our people
COLLECTION:
We will collect names, addresses, contact details, education and employment history, identity and other background checks (which may include appropriate criminal and financial checks and confirmation of the right to work in the UK), marital status and information on next of kin and dependents, financial information (such as bank details and NI numbers), date of birth, gender, a copy of your passport and driving licence, performance information and compensation history, recruitment information (including references), salary, benefits, pension and annual leave information, disciplinary and grievance information, photographs, information about your use of our information and communications systems and CCTV footage or other information obtained through electronic means.

We may collect and use special categories of personal data as required in the carrying out of obligations and exercising specific rights of us or the data subject in the field of employment. This may include information relating to matters such as health, racial origin, religious belief and offences or alleged offences.

Personal data may be collected from you during the selection process (for example via your application form and CV) and during your employment (including holiday forms, expense claims, performance reviews, any disciplinary or grievance processes), or from third parties, including referees, health service providers, background check providers.

USE:
Personal data of our people will be used for HR administration and management, both in respect of the selection of people to work for us (including suitability, eligibility and/or fitness to work), and those who do work for us, to include learning and development, disciplinary and security (of people, offices and data) requirements, providing and liaising with benefits providers, business management and planning (including accounting and auditing), paying you and dealing with tax and NI deductions, assessing and deciding on salary reviews and compensation, conducting performance reviews and managing performance, dealing with legal disputes involving you or others, preventing fraud, monitoring your use of our information and communications systems, ensuring compliance with our policies, and equal opportunities monitoring.

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

In performance of a contract with you; and/or
compliance with a legal obligation; and/or
vital interests of the data subject; and/or
where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
We may also use your personal data in the following situations, which are likely to be less common:

where we need to protect your interests (or someone else’s interests);
where it is needed in the public interest or for official purposes.
In respect of all disclosures of personal data, we will only share the personal information which is necessary for the particular purpose for which it is provided, or where we have another legitimate interest in doing so, and we will ensure that the personal data is appropriately protected.

In respect of special categories of personal data, we may process this in the following circumstances:

in limited circumstances with your explicit written consent; and/or
where we need to carry out our legal obligations and in line with our policies; and/or
where it is needed in the public interest (such as for equal opportunities monitoring or in relation to our occupational pension scheme), and in line with our policies; and/or
where it is needed to assess your working capacity on health grounds, subject to appropriate confidentiality safeguards.
Less commonly, we may process this type of information where it is needed in relation to legal claims or where it is needed to protect your (or someone else’s) interests and you are not capable of giving your consent, or where you have already made the information public. We may also process such information about our people (or former people) in the course of our legitimate business activities with the appropriate safeguards.

The special categories of personal data may be used in the following ways:

in relation to leaves of absence, to comply with employment and other laws;
in relation to your physical or mental health, or disability status, to ensure your health and safety in the workplace and to assess your fitness to work, to monitor, manage and administer benefits and absences;
in relation to your race, national or ethnic origin, religious, philosophical or moral beliefs, or your sexual life or sexual orientation, to ensure meaningful equal opportunity monitoring and reporting.
DISCLOSURE:
Personal data may be transferred to service providers who support the operation of our business (such as payroll service providers), to other third parties reasonably necessary in the conduct of our business (including insurers, professional advisors, regulators). These third parties may be acting as processor, or controller of personal data in their own right.

RETENTION PERIOD:
We will keep personal data only for as long as is necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, accounting or reporting requirements. We will normally keep personal data of applicants who we do not employ for six months after we receive it.

We will keep personal data of employees throughout your employment and normally for a minimum of six years after your employment ends.

Changes to your personal data
It is very important that the personal information that we hold about you is accurate and current. Please tell us if your personal information changes during your relationship with us.

Data Security
We have put in place measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those of our people and other third parties who have a business need to know. They will only process your personal data on our instructions and where they have agreed to treat the information confidentially and to keep it secure. We have put in place procedures to deal with any suspected data security breach and will notify you and the ICO of a suspected breach where we are legally required to do so.

Where we store your personal data
We principally store data, both electronically and on file, at our office.

Personal data may be transferred outside of the EEA by processors acting on our behalf. For transfers to countries not considered adequate by the EC, we will ensure that personal data is adequately protected, as required by the GDPR. This would include by use of the Standard Contractual Clauses adopted by the EC to protect personal data.

Your rights
Under certain circumstances, you have the right by law to request:

access to your personal data. This enables you to ask to receive a copy of the personal data that we hold about you and to check that we are lawfully processing it.
correction of the personal data that we hold about you.
erasure of your personal data.
object to processing of your personal data where we are relying on our legitimate interest and there is something about your particular situation which makes you want to object to processing on this ground. You also have the right to object where we are processing your personal information for direct marketing purposes.
restriction of processing of your personal data.
transfer of your personal data to another party.
Links from our website
Our website may, from time to time, contain links to and from the websites of third parties that we permit to make such links. 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. We recommend that you check these policies before you submit any personal data to these websites.

CHANGES TO THIS PRIVACY POLICY
Any changes we may make to our privacy policy in the future will be posted on our website, so please ensure that you are viewing the correct version.

Please contact us if you have any questions, comments or requests regarding this Privacy Policy.

Last amended May 2021.

Master the Card Say Goodbye to Credit Card DebtForever

Descrizione dell’articolo da parte del venditore

Dati bibliografici

Riassunto

Descrizione articolo

Estratto. © Ristampato con autorizzazione. Tutti i diritti riservati.

Master The Card

BALBOA PRESS

Contents