     We collect personal information when you apply for products
or transact on our website. We generally let you know at the
time of collection how we will use that personal information.
For details of how we process your personal information, please
refer to your product terms and conditions.        • collect
anonymous information that will help us understand visitors'
browsing habits on our website;  We use three types of cookie:
• Persistent cookies - These are stored on your computer until
they expire or you remove them. For example, a persistent cookie
may be used to remember that we have previously asked a visitor
to complete an online survey. This would prevent the same you
from being asked to complete the same survey every time you
visit the site.   • Flash cookies - If you have Macromedia Flash
installed, we may use Flash objects to recognize your computer
for security purposes.  We do not use cookies to track your use
of the internet after you leave our site, nor do we store any
personal informa