1. This information is used to improve the content of our web pages, to customise the content and/or layout of our pages for each individual visitor and to notify visitors about updates. We never sell, rent or share any of the information we collect (except anonymous aggregate information) with any third party.

2. If you contact us by e-mail to request information or provide feedback on our services, we will only use the information you provide (including your e-mail address) to respond to your message. We do not share this information with any third party.

3. When using the public portion of the website, you may be required to provide us with your personal information, however this information is only used for the purpose for which it is collected example to send the requested product information, unless you specifically choose otherwise. If you provide us with your email address, we will treat it just as securely as other personal information. We will not send you unsolicited email messages or junk mail.

4. Similar to other websites, our website utilises a standard technology called ‘cookies’. Cookies are pieces of information that a website transfers to your computer's hard disc for record keeping, statistical and analysis purposes. They record the number of times people visit certain pages on our website. However, they are not used to access your personal information. They are a tool we use to analyse which web pages people prefer to view, in an aggregated manner. Most browsers are initially set to accept cookies. If you prefer, you can set your browser to refuse cookies. However, given that we may sometimes use cookies, you may not be able to take full advantage of our website if you do so.

5. Links which we provide to third-party websites are clearly marked and the IFS is not responsible for the content of such websites or their privacy policies.

6. Unless otherwise stated in specific terms and conditions of use of any part of our website, we may change the content or services found on our website at any time without notice, and consequently our privacy policy may change at any time in the future.

7. Your continued access to or use of our website will mean that you agree to any and all changes.

8. In this policy, “we” and “us” refers to the Institute of Financial Services , and “our” shall be construed accordingly.

9. If you have any questions regarding privacy issues, you may call the Institute’s offices on telephone (00356) 2124 0335 or via e-mail at info@ifsmalta.org for more information.