Privacy Policy

University of Travel Privacy Statement
To help clients better understand the personal information we gather and the practices we employ, University of Travel has developed a Privacy Policy that covers the University of Travel website for following areas:
* Information collected
* Use and disclosure of information
* Accessing and updating information about you
* Security
* Acceptance of and changes to this Privacy Policy
* Contact details

This Privacy Policy applies to your use of the website operated under the domain name cruiseandtravelagents.com (the " University of Travel Website") and the services provided by University of Travel website.

In addition to this Privacy Policy, there may also be specific and additional privacy provisions that apply to particular University of Travel services. Because those specific and additional provisions also relate to your privacy protection, you should review them carefully. To the extent of any inconsistency between the provisions of this Privacy Policy and those other specific and additional provisions, the specific and additional provisions will take priority.

Where this Privacy Policy refers to your "personal information", it means information about you (as an individual) from which your identity is apparent, or can reasonably be ascertained. Your name and e-mail address are examples of personal information.

Information collected
You can visit the University of Travel and find out about our products and services without giving us any information about yourself. We may record certain non-personal information, such as your server address, domain name, the date and time of your visit and any pages viewed. That information will only be used for statistical and website administration purposes. To maintain visitor anonymity, we will not associate that information with records containing personal information unless you have consented for us to do so.

When you register to use University of Travel, we require your name, e-mail address, home address, home phone and travel agency information. Additionally, membership receipts sent to University of Travel may contain your name, address, email address and telephone number. You can make changes to your information collected by University of Travel in the Change Profile section of the University of Travel Website. We require this information in order to verify your identity and bank/credit card account authority, to contact you and to provide our services to you.

The University of Travel Website may contain links to web sites operated by third parties and other websites may contain links to the University of Travel Website ("Linked Websites"). Linked Websites should contain their own privacy statements and the operators of Linked Websites are responsible for informing you about their own privacy practices.

We may also collect personal information from you if you knowingly provide it to us, for example by sending us an e-mail or providing feedback.

Use and disclosure of information
We will not use or disclose (share, sell or divulge) any of your personal information to third parties unless we have informed you, have been authorized by you, or are required or authorized to do so by law.

In order to provide our services or to assess your application, we may need to provide personal information to third parties and they may need to provide personal information about you to us. Purposes for which we may exchange personal information with third parties to verify your identity, to process a transaction, and to confirm receipt of payment.

We may also use your personal information:

* for purposes related to our research, planning, product development, security, testing and risk management;
* for purposes connected with the operation, administration, development or enhancement of the our services and the University of Travel Website; and
* where we suspect that fraud or unlawful activity has been, is being or may be engaged in.

We may provide personal information about you to our service providers who assist us in providing our services and the University of Travel Website. We will only disclose your personal information to those third party service providers on a confidential basis so that the service provider can effectively provide those services.

In particular, when processing credit card transactions, we will utilize systems that assist in minimizing the risk of credit card fraud. Personal information that we collect about you, including your credit card details, demographic information, such as your address and date of birth, and information about the purchases you have conducted through this website, is required to provide a basis for credit card fraud risk analysis.

If you consent to this Privacy Policy, we will transfer the personal information that you have provided to us to third parties, for the purposes of processing that information to minimize the risk of credit card fraud. The personal information, which is transferred for that purpose, will be stored in that third party's database for use in credit card fraud risk analysis.

If you do not provide us with:
* your personal information, and
* your consent to this Privacy Policy;

Then we will not be able to process your registration and / or credit card transactions.

Although such situations are rare, you should be aware that we may disclose your personal information to third parties in any of the following circumstances:

* where an investigation of fraud or unlawful activity has been or is being conducted by us and the information is disclosed to relevant persons or authorities; or
* where the disclosure is required or authorized by law; or
* where we believe that the disclosure is reasonably necessary to assist a law enforcement agency or an agency responsible for national security in the performance of its functions; or
* for the preparation for or the conduct of legal proceedings or for the implementation of the orders of a court or tribunal.

In the event that a third party acquires the business assets of University of Travel, that third party may wish to acquire customer information. If this happens, we will take reasonable steps to notify you of any personal information which we propose to transfer and to provide you with an opportunity to opt-out of having your personal information transferred.

We use and disclose aggregated non-personally identifying information as part of our process of constantly improving our services.

Advertising
We may use third-party advertising companies to serve ads on our web site and other web sites. These companies may use cookies to collect information (not including your name, address, email address or telephone number) about your visits to this and other web sites. They use this information to measure advertising effectiveness and to provide advertisements about goods and services of interest to you.

Accessing and updating information about you
You can access and update your registration information in the Change Profile section of the University of Travel Website at any time once you have provided your user name and password. You can also view your recent transactions there. If you need to access or correct any other personal information we hold about you and are unable to do so in the Change Profile section, please contact us using the "Contact Details" set out below. In certain circumstances, we may not be required by law to allow you to access or correct your personal information. If that is the case, we will give you our reasons for that decision.

Security
University of Travel use several mechanisms to protect the security and integrity of your personal information. University of Travel uses an encrypted payment gateway for membership payment processing.
* All your transactions with this gatewary are conducted in 'secure sessions' using the financial industry's Secure Socket Layer (SSL) standards with 128-bit encryption. You should check that your browser is compatible with SSL encryption. This is often indicated by a 'closed lock' icon at the bottom of your screen.
* Your username and password are essential for you to access your account details or to conduct a payment transaction. For your own protection, we require you to keep these confidential and encourage you to change your password regularly.
* Please ensure you never provide your Username and/or password to anyone in response to email requests. You will never be asked by University of Travel to disclose such information legitimately.

Unfortunately, no data transmission over the Internet can be guaranteed as completely secure. So while we strive to protect such information, we cannot ensure or warrant the security of any information you transmit to us and you do so at your own risk. Once your personal information comes into our possession, we will take reasonable steps to protect that information from misuse and loss and from unauthorized access, modification or disclosure.

Acceptance of and changes to this Privacy Policy
We may change this Privacy Policy from time to time. When a variation occurs, we will take reasonable steps to notify you by e-mail at the e-mail address you provide to us on registration, or we will refer you to the variation at the time you next use University of Travel website, or we will publish the Privacy Policy as so varied on the University of Travel Website. You accept that by doing this, we have provided you with sufficient notice of variation. Continued use of University of Travel website by you is acceptance of the changed Privacy Policy and any information collected following will be subject to that changed Privacy Policy.