Broadband and Fibre Broadband

To sign up to our broadband services, you will also have to sign up to Nafs Broadband network , on a 12-month contract.

^*Broadband speed is described as ‘average download speed of 14Mb’ and ‘average upload speed of 3Mb’ as it is based on speed available to at least 50% of customers at peak time (8-10pm). Your actual speed will be dependent on your location, phone usage, home wiring, wifi connection and time of day. Check your speed and products available at your location at www.wearesenior.com/nafs-broadband

^*Fibre broadband speed is described as ‘average download speed of 40Mb’ and ‘average upload speed of 15Mb’ on Fibre and ‘average download speed of 100Mb’ and ‘average upload speed of 49Mb’ on Fibre Extra as it is based on speed available to at least 50% of customers at peak time (8-10pm). Your actual speed will be dependent on your location, phone usage, devices, home wiring, wifi connection and time of day. Check your speed and products available at your location at www.wearesenior.com/nafs-broadband.

Our broadband contracts: You must sign-up to a 12-month contract for one of our broadband services (Nafs Broadband Unlimited, Fibre or Fibre Extra) If you choose to end our services within the minimum period, you will have to pay an early termination charge by way of compensation to us for ending your service(s) early. This charge will be calculated by multiplying the number of months remaining in your minimum term by a monthly early termination charge, as set out according to your plan.

A broadband cease charge, as set out in our Price Guide, is payable if you choose to end your agreement for your broadband service and the service is ceased or you are switching your service to another provider on a different network.

Nafs Broadband Terms and Conditions
We set out below the full terms of our agreement. However, to help you find the relevant part of these terms we’ve also included a short summary.

Please note that Senior Brand plc is the owner under these terms, so our agreement for the provision of the service.

The summary of our terms

In the same way as you won’t understand a book from reading just the contents page this summary doesn’t set out all our terms, so we’d really like you to read them all. If you find this summary says one thing and the terms another, what the terms say is what we have agreed upon.

1. What we provide
We provide the service(s) that you have asked us to provide.

All our services are subject to our General Terms.

In addition, each service has its own set of Service Terms as set out below:

Nafs Broadband and Fibre
Nafs TV device
Comprehensive Anti virus

If you’re taking one of our offers then the relevant Offer Terms will also apply. Details of these will be provided before you receive the service(s).

So to sum up: the General Terms (for everyone) + Service Terms (for each service you are taking) + Offer Terms (where applicable) + Price Guide = our agreement.

Please note that references to paragraphs in this summary are to the paragraphs in the General Terms unless otherwise stated. Throughout this summary and these terms NBD is short for Nafs Broadband.

2. Payment

Unless any Offer Terms apply what we will charge you is set out in the Price Guide.

More details on payment below.

3. Cancellation period
Except in respect of Comprehensive Anti Virus, if you change your mind about our services within 14 days of signing up you can cancel our agreement. You’ll only have to pay for the services you have used and return any equipment.

4. Leaving us (or us leaving you)
If you wish to leave us paragraph 15 sets out how you can do this.

If you don’t cancel within 14 days, but want to leave in your minimum term then early termination charges may apply.

We don’t normally do this but we may have to stop or suspend providing your services as set out in paragraph 16.

5. Your responsibility to us
To ensure our services operate within the law, we do need you to follow certain rules when using our services as set out in paragraph 2 and the relevant provisions of the Service Terms.

6. Our responsibility to you
We take responsibility for providing you with quality services and equipment. However, there are certain circumstances in which this responsibility to you is limited or excluded as set out in paragraph 12 and the relevant provisions of the Service Terms. These are important paragraphs and we really recommend you read them in full.

7. Changes we can make
We will sometimes need to change these terms. We will normally let you know when we do this (see paragraph 19). If the change is materially disadvantageous to you then you may be able to end our agreement without charge.

8. Your information
For full information on how we’ll handle your personal information, please see our Privacy Policy.

9. FAQs
We have tried to keep these terms as short as possible but equally we want to provide you with as much helpful information about our services as possible. Our FAQs page may help if your queries regarding the provision of the service(s) aren’t covered by these terms.

These FAQs, unlike the terms, aren’t part of our agreement.

Terms and Conditions
NBD General Terms
What we provide
We’ll provide you with:
your chosen services;
content;
any equipment we agree to provide;
the facility to use a flash speed Wi-Fi and TV device to watch Tv channels etc.
When you sign up for our services, you receive all package in one.
from us. You may end your agreement for either of these services as set out in paragraph 15 of these General Terms.
Your use of the service(s)
You must:
look after any equipment we provide;
use the services for personal use in or outside the UK according to our policy.
not copy, change or publish any material we produced or own (normally marked with a ©)
only connect safe equipment to our network that won’t harm it or our other customers’ equipment;
keep all passwords secure and confidential, and not make them available to other people; and
agree that we have the right to modify any digital content we provide (for example update the software in your router). Modifications will be of the same quality and description.

Our provision of the services
To protect our network and to provide a quality service, we may have to restrict your use of our services or the equipment we provide where:
it may have a harmful effect on the experience of other users (for instance if you are sending spam messages or hosting a commercial website);
your equipment has been infected by computer viruses; or
it’s necessary to stop the spread of any virus within either your equipment or our network.
To make changes to technical specifications we may have interrupt the service(s) but we will restore it as quickly as we can.
When our agreement, the service and the minimum term starts
Our agreement starts when we accept your order (normally by sending you an email).
The relevant Service Terms or Offer Terms set out when the service and any minimum term commences. We will let you know the length of your minimum term when you sign-up and/or we accept your order.

Paying for the services
For most of our services we will charge you a standard monthly fee (what we call a subscription charge). In some cases additional fees linked to how much you use the service, such as the number of calls you make (what we call usage charges) also apply. You will also have to pay any additional charges detailed in these terms, the relevant Offer Terms or the Price Guide that may become due.
We will normally bill you monthly in advance for any subscription charges. For usage charges we will try to bill you at the end of the month in which you used the relevant service (but sometimes there may be a delay from the point you used the service before we add usage charges to your bill). We won’t charge you for the period after you’ve signed-up but before you’re service is up and running (but we may take payment of your first month’s service when you sign-up with us, in advance of your service being up and running).
You may see your bills within your online account and we’ll email you when a new bill is available to view. You must pay the bill as soon as you receive the email that your bill is available. Payment must be made by Direct Debit or debit or credit card (with the exception of American Express and corporate cards), unless we advise you otherwise.
As our services are only for personal use in the UK, we do not provide VAT invoices.

If you fail to pay

If you don’t pay your bill, we will remind you (for example by calling you or interrupting your broadband service). If we still don’t receive payment we may:
add a late payment charge as set out in our Price Guide to your bill (but normally only if we don’t receive payment within 10 days of our reminder);
suspend providing the service or end our agreement. We normally won’t do this until 14 days after your bill was available to view on our website (please note paragraph 16.3 may apply); or
as a last resort, ask a debt-collection agency to collect the payment on our behalf. If we do, you will also have to pay the reasonable costs we have to pay the agency as part of your outstanding charges, which the agency will add to your debt on our behalf.
If any payment method fails we may add a failed payment charge as set out in the Price Guide to your next bill.
The charges set out in this paragraph 6 are not subject to VAT.

Credit limit
We set a credit limit on your usage charges.
We will only calculate your usage charges every 24 hours, so you may go over your credit limit due to your usage in this 24 hr period and you will still have to pay for all usage charges incurred in this period.

Engineer visits

We will agree an estimated appointment date for engineer visits and will contact you a minimum of two working days in advance if this changes. You can change or cancel any appointment date but you must give us at least two working days’ notice.

We may charge you, as set out in the Price Guide, for any engineer visit in the following circumstances:
you provide an incorrect address;
entry is refused to the premises, or access cannot be gained by the engineer;
we agreed with you that the premises had to meet certain requirements so we could carry out the work, but it doesn’t meet these requirements;
you report a fault, an engineer attends your premises and discovers the fault was not due to our services or equipment or, the reported fault was not present;
there is no responsible adult present who is authorised by you to make decisions or answer questions necessary to fix the faults;
when you cancel a request for an engineering visit later than two working days’ before the appointment date;
if we could have fixed the issue without sending an engineer if you’d had the ability to connect to the router with wired (ethernet) connection; or
an engineer arrives at the premises to carry out the work you requested, but you no longer wish the work to be carried out.

Cancellation period

Unless our Service Terms say otherwise we provide you with a 14 calendar day cancellation period which starts:
for services, on the day after we accepted your order; or
for any equipment, on the day after we delivered it.
If you cancel any services within this cancellation period you must:
pay for any services received up to the date that you told us you wanted to cancel;
pay any installation, connection or activation charges associated with that service (including the full cost of charges that were discounted or advertised as free as a condition of taking services on the terms that you agreed); and
return any equipment we have provided as set out in paragraph 9.5 below.
where you give notice to cancel within 48 hours of your service(s) activating, we are unable to stop the order for your service(s) progressing, and so will not be able to cancel your service(s) until they are activated. You will have to pay for any installation and/or activation charges incurred.
If you just ordered equipment and cancel within the cancellation period, paragraph 9.2 doesn’t apply but you must return any equipment to us as set out in paragraph 9.5 below.
If the service you signed-up for is a product change, a re-contract, call feature or call plan, upon cancelling the service we may move you back to your previous agreement or the closest matching service.
Where you cancel as set out in paragraphs 9.2 and 9.3 above and are required to return any equipment to us:
you must return the equipment to us (undamaged and in its original packaging) within 14 days of telling us you want to cancel, at your own cost; and
we will refund anything you have paid for the equipment less an appropriate amount (up to the full value of the refund) where the equipment is damaged or has been used more than necessary to check it.
If you don’t return the equipment within 14 days of cancelling you will have to pay the full price of the equipment. If you subsequently return the equipment to us, we will waive or return what you have been charged for the equipment.
These rights are in addition to any other legal rights you may have to cancel our agreement.

Returning faulty equipment
You must return any item of equipment that either:
you report to us as faulty;
we tell you is faulty; or
requires replacement for technical reasons.
Even if we replace equipment before you return it, you must still return the item (we’ll provide a returns bag so you can do this free of charge). If you return any equipment because you believe it to be faulty, we may test it and if it’s working, we may send it back to you and charge you our costs for testing and postage.
If within 30 days of us replacing equipment you have not returned the faulty equipment, we may either:
suspend or restrict access to any service that we provide to you until the relevant equipment is returned; or
seek to recover our costs in respect of that equipment from you.
All our equipment will conform to the terms of our agreement, be as described and work for a reasonable period of time if you look after it.

Your equipment

We’ll use reasonable care to stop any digital content we provide damaging your equipment or causing a loss of your data or content, but we can’t be responsible for any such damage:
where you don’t follow our instructions when using, downloading or installing the digital content;
where you don’t use the digital content as we told you to;
due to configurations on your device or potential compatibility issues which we couldn’t expect to know about;
due to the nature of the internet and you failing to have protection against viruses;
due to defects in third party content or acts we couldn’t be reasonably be aware of; or
due to things outside our reasonable control.
If we are responsible for such damage, any compensation will be limited to the cost of replacing the device.

Our responsibility to you

If something goes wrong we’ll always look to put things right but, except as set out in paragraph 12.3, we’ll never be responsible for:
financial loss;
information that is lost or corrupted (unless this is due to digital content we provide);
losses that you may suffer if you have used the service or equipment we provide for business purposes (for example due to not being able to carrying out remote working or being able to run a home business);
any loss that was not foreseeable to you or us when we entered into our agreement; or
losses caused by your breach of our agreement.
Except as set out in paragraph 12.3, we will not pay you more than £10,000 in compensation in any 12 month period.
Nothing in paragraphs 12.1 or 12.2 limits our responsibilities relating to:
equipment or digital content (which we are responsible for providing) which is not of satisfactory quality, fit for purpose, has been described wrongly or installed incorrectly;
services which have not been provided with reasonable skill and care;
injury or death as a result of our negligence;
not delivering equipment within agreed time periods; or
our fraud or due to us deliberately breaching our agreement.

Compensation

If you let us know you’ve suffered an intermittent or continuous total loss of service we will refund a pro-rata amount of any subscription fees you have paid in respect of that period of loss of service, except where:
the failure is due to an outage which is not isolated to your line, for example network wide outage outside of our responsible control;
we suspend your service in accordance with our agreement or you are in breach of any term of the agreement;
through no fault on our part, we are unable to carry out any necessary work on your premises (for example where we can’t gain access to your premises, agree an appointment date or obtain all assistance or information that we require from you); or
the failure is due to matters beyond our reasonable control.

Complaints

We want to resolve any complaints you might have. How will do this is set out in our Complaints Code of Practice.
Your right to end our agreement
If you want to end our agreement, unless you are inside the cancellation period set out in paragraph 9 you will need to give us 10 days’ notice if you are ending the service, or 14 days if you are moving to another provider. We will continue to provide the services and you will need to pay for all charges during this period.
If someone else requests that we end our agreement (for example a provider you are transferring to) we will accept that notice but will email you, asking you to confirm that this is what you want. If we don’t hear from you within 10 working days we will stop providing your service.
If you cancel your direct debit without contacting us to arrange payment by alternative means, we may assume you want to end our agreement.
If you choose to end our agreement for any service within the minimum term (except where you are inside the cancellation period set out at paragraph 9) you’ll have to pay any early termination charges as set out in the Price Guide. Other charges may be due as set in the Price Guide and/or the relevant Service Terms.
Our right to suspend your service or end our agreement
We can suspend or stop providing our services and/or end our agreement where:
our ability to continue to provide the service to you is materially and adversely affected because: (i) any of our telecommunications carrier(s) or supplier(s) ceases to provide services to us; or (ii) any authorisation required by us ends or is changed;
we reasonably believe that the service is being used, or is intended to be used in a way that does not comply with paragraph 2, 5 or 9.5 of these General Terms;
you breach any material provision of the Service Terms;
we reasonably believe you have provided us with false or misleading details about yourself;
we tell you that your use of the service is causing problems for other users, and you carry on using the service in the same way;
we reasonably believe that you have used the service or the equipment for illegal purposes;
we receive a serious complaint about your use of the service which we believe to be genuine (for example you are using any service in breach of our Acceptable Use Policy);
in the event of your bankruptcy or death;
we are required to by the emergency services or other government authority;
you repeatedly request your bank to chargeback payments that you are not disputing; or
we are no longer providing the service to customers.
We will normally give you 14 days’ prior notice before suspending or stopping providing our services (and/or ending our agreement) and work to resolve any issues with you. We may not be able to do this if there is a real risk of loss or harm to us or our other customers (for example, where there is a reasonable suspicion of fraud or other abuse).
Unless the reason we end our agreement is because we are we are no longer providing the service to customers as set out in paragraph 16.1.11 and you are within the minimum term you’ll have to pay an early termination charge as set out in the Price Guide.
This paragraph 16 will apply where we have right to suspend or stop providing our services and/or end our agreement as set out in the Service Terms.

After the agreement ends
If either of us end our agreement:
if you have paid any charges in advance we will refund you for any services not used, but we will first take off any money you owe us under our agreement(s). For security or compliance reasons we may not hold your payment details after our agreement has ended so you agree that we may make these refunds by cheque; and.
any applications, features or services that are provided for free with or as part of the service(s) will end on the same day as our agreement ends. You may continue to keep certain features or services if you agree to pay any relevant charges set out in our Price Guide or otherwise agreed with us.

Moving Home
If you want to move your services to your new home please see our Home Moves Guide. Please note that depending on your circumstances:
you may have to enter into a new agreement with us (with a new minimum term); and / or
a home move fee and other home move charges (such as fees for installing a new line) may apply as set out in the Price Guide.
If we can’t provide your current service(s) to your new home you’ll have to pay early termination charges if you’re within your minimum term. Also any other applicable charges for ending your current service(s) as set out in the Price Guide may be payable. However, if you agree to take another equivalent service (for example broadband where we can’t provide fibre) under a new agreement we may waive these charges.
Changing these terms or our services
We may change the price, or other charges, the service or the terms of our agreement:
if we materially change the service, or introduce new services, features or benefits (e.g. if we increase the maximum upload speed for your broadband service);
if we change the way we structure our services and the price we charge for those services;
if the cost to us of providing your services, or running our business increases (e.g. if the businesses we buy services or products from increase their prices);
to reflect changes in technology (e.g. if we develop new systems which provide you with a better service);
if there is a change in the law, regulation or regulatory guidance applicable to us (e.g. if there is a VAT increase);
to make the terms of our agreement clearer or easier to understand; or
due to any other circumstances that we cannot always predict in the future which means a change is necessary.
If we make changes we will tell you at least 30 days in advance of the changes happening by email or by post, except where:
the change is for legal or regulatory reasons as set out in paragraph 19.1.5; or
it’s a change that does not cause you any material disadvantage,
but we will still let you know about the change (for example by updating this page or publishing details on our website).
If any change is to your material disadvantage (and isn’t as set out in paragraph 19.1.5) you may end our agreement for any affected service by giving us notice of your intention to leave within 30 days’ of our notice of the change. If you do so, then:
you will not have to pay any increased price or charge for your service during the notice period;
even if our agreement has a minimum term you may end our agreement for any affected service without paying any early termination charges; and
we will also end our agreement for any other service(s) that cannot be provided without the service you have chosen to end (and you will not have to pay early termination charges for the other service(s)).

Other things we need to tell you
Dealing with this agreement: You accept that our agreement is just between you and us, no one else can enforce it and you can transfer it only with our consent. However, we may take instructions from a person acting with your permission. We can transfer the agreement to another company provided this does not adversely affect your rights under the agreement.
Communicating with us: If you wish to give us notice, you must do so by either:
phoning our customer service team; or
writing to Nafs Broadband (provided by Senior Brand), Head Office Ground Floor2 Woodberry GroveLondon, England N12 0DR
Communicating with you: We will give notice to you via our website by email or by post to the address where we provide the service. It’s your responsibility to ensure we have an up to date email address. Any notice given via a website update or by email shall be deemed to be received on the day of transmission. Postal notices will be deemed to be received two working days after being sent.
Unenforceable terms: Each of the paragraphs and sub-paragraphs of our agreement operate separately. If any court or relevant authority decides that any of them are unlawful or unenforceable, the remaining paragraphs and sub-paragraphs will remain in full force and effect.
Delays: If we delay in taking any steps under our agreement against you in respect of you breaking our agreement that doesn’t prevent us taking steps against you at a later date.
After our agreement: Paragraphs 6 (If you fail to pay), 9 (Cancellation period), 12 (Our responsibility to you), 14 (Complaints), 17 (After the agreement ends) and 20 (Other things we need to tell you) apply even if our agreement has ended.
Laws and courts that apply: English law applies to our agreement and claims between us will be brought in the English courts (unless you’re a resident of Northern Ireland or Scotland when you may also bring proceedings in the appropriate local courts).
NDB Broadband and Fibre Service Terms
These terms apply where you take either broadband or fibre broadband services (both of which we call the service unless we are referring to the fibre or broadband service specifically).

What we provide
We will provide you with access to the internet, helpdesk services, and any other equipment, applications and depending upon the service you sign up to, features as described at Unlimited, Fibre or Fibre Extra.
What you need
To get the services you need:
a working TV device service with speed and constant Wifi
to be in a fibre broadband enabled area (we can do a preliminary check if you provide your postcode to us) if you want to take our fibre broadband service; and
to be able to connect to our services via a wired (ethernet) connection so we can help fix any faults you may have.
Installation
You may have to install some equipment at your home. This will normally involve following the user guides we provide to you.
A set up charge as set out in the Price Guide may apply and if you request an engineer to visit where it isn’t necessary, we may also charge you for this as set out in the Price Guide.
If you take our fibre broadband service it may be necessary for an engineer to perform some installation works away from your home (for example at the green cabinet in the street) which may mean your phone line and existing broadband will be disconnected for a short period.
Quality of service
We aim to provide a continuous, high-quality service, but we can’t be responsible for:
slow speeds due to external factors (except as set out in paragraph 5);
loss of service due to circumstances beyond our control, where we’ve taken reasonable steps to prevent this; or
ensuring equipment we provide allows you to get a wireless signal everywhere within your home or delivers the speeds possible over a wired connection wirelessly.
So that your services are stable and operate efficiently, we may also take action to manage the network’s performance during periods where there is a high demand and prioritise particular types of internet traffic.

Speed

If, 10 days after your service is up and running, you’re always getting broadband speeds lower than the estimated speed range we provided when you signed up, let us know and we will try to improve its speed.
If you’re not receiving the broadband speed we estimated for you, we’ll try to improve the service you are receiving. We may provide you with instructions on checks you must make in your home.
you signed up, changed your product or moved house since between 29th May 2017 and 28 February 2019,
When the service and the minimum term starts
It may take us a while to get your service up and running but we’ll do this as soon as reasonably possible and we’ll aim to keep you updated on when we estimate this will happen.
Your minimum term starts on the day your service is up and running or your transfer from another provider has completed (we will normally send you an email to confirm this).

Cancellation period

The service benefits from the cancellation period as set out in paragraph 9 of our General Terms.
Changing your service
You can upgrade to our fibre broadband service from our broadband service at any time. Any minimum term remaining for your service will be carried forward to your new service. You will have to pay any applicable set-up charges as set out in the

Price Guide.

If you downgrade from our fibre broadband service to our broadband service you will have to agree to a new minimum term and pay any applicable set up charges (and an engineer charge where an engineer visit is required to provide our broadband service) as set out in the Price Guide.
You can change from one fibre broadband service to another at any time. Any minimum term remaining for your service will be carried forward to your new service.
Once any change to your service under this paragraph 8 has been completed, you will have to pay the charges applicable for the new service as set out in the Price Guide.

on our part) we are unable to carry out any necessary work on your property (for example we are unable to gain access, can’t agree an appointment date or the work is aborted).
Cancellation period
The service benefits from the cancellation period as set out in paragraph 9 of our General Terms.
ng your agreement
If you choose to end our agreement within the minimum term (except where you are inside the cancellation period set out in paragraph 9 of the General Terms), you will pay early termination charges as set out in the Price Guide.
Anti – Virus Service Terms
What we provide
We will provide security software, including anti-virus protection and a personal firewall.
What you need
To get our comprehensive anti virus you need:
a computer that meets the minimum requirements; and
to accept the terms of the provided End User License Agreement.
When the service starts
Our agreement and the 30 day minimum term starts when we make the software available for you to download.

Cancellation period
The service does not benefit from a cancellation period.

Quality of the service
Although we attempt to provide you with the best possible service, we cannot guarantee that anti virus will block all harmful sites, viruses and similar faults. We’ll aim to resolve any reported faults as soon as reasonably possible

Charges
If chargeable, you agree to pay the charges for the service as set out in the Price Guide.
Ending the service
You may end the service on 14 days’ notice after the 30 day minimum period.

For your information

Nafs Broadband is owned by Senior Brand

▼ Prices, content and terms may change at any time during your contract. We’ll tell you about important changes in advance, and if a change is detrimental you’ll be able to end your contract without any fees.

Privacy policy
Nafs Broadband is a trading name of Senior Brand, and the service is provided by Senior Brand.

About this Privacy Policy
We know that privacy is very important to our customers.

We want you to understand why we need to collect personal information, how we use that information and to feel confident we’ll protect it.

We’ve tried to set this out as simply as possible in this Privacy Policy.

Information collected for the provision of the Nafs Broadband Service
Senior Brand is responsible for providing the services under the Nafs Broadband brand, and for the personal information that is collected and how it is used for providing the Nafs Broadband services. We will handle your personal information when we’re providing the Nafs Broadband services as set out in the Policy.

The Senior Brand Privacy Policy applies to the products and services Nafs Broad band provide (such as Tv device set, broadband and email) and when you browse the Nafs Broadband page. It also covers when you interact with us in relation to Nafs Broadband services (for example by responding to a survey, entering a prize promotion, calling our helpdesk, generally enquiring about our services) or otherwise provide your personal information to us.

You can link to Nafs Broadband, from the Nafs Broadband department. This Privacy Policy does not apply to the use of your personal information by any third party as we aren’t responsible for them. We recommend that you review the privacy policies on any third parting before providing your personal information via them.

Information collected for other Senior brands
We may collect your permission to receive marketing from other Senior brands operated by the Senior Brands ownership when you sign up for, or otherwise use, the Nafs Broadband service. We will share this information and your contact details with the relevant part of the Senior brand ownership. This part of the Senior Brand ownership will be responsible for the marketing carried out.

Access and updating your information
You can access and update the information Senior Brand hold about you using the online forms in the Senior Brand Privacy Policy. Just let us know that you’re a Nafs Broadband customer.

If you require another Nafs broadbrand to provide you with access to and to update the information they hold about you, you should contact Nafs broadbrand department directly on nafs@wearesenior.com

Cookies
For information about how we use cookies on the Senior Brand website please see our Cookie Policy.

Our Privacy Policy does not cover the collection and use of your personal information by other companies and organisations that advertise our products and services and that use cookies, tags and other technologies to serve and offer relevant online advertisements to you.