Terms and Conditions
This website will provide you with information on the protection that applies in the case of each holiday and travel service offered before you make your booking. If you do not receive an ATOL certificate then the booking will not be ATOL protected. If you do receive an ATOL certificate but all the parts of your trip are not listed on it, those parts will not be ATOL protected. Please see our booking conditions for information or for more information about financial protection and ATOL certificate go to: www.caa.co.uk
Golf Holidays Direct provide full financial failure protection for 100% of the clients that book with us with AVS Insurance (Atlas Voyage Secure), a trading name of All Seasons Underwriting Agencies Limited (ASUA) of Alpi House, Suite 2, East Wing, 2nd Floor, Miles Gray Road, Basildon, Essex, SS14 3HJ. All Seasons Underwriting Agencies Limited (Company number 03252689) are authorised and regulated by the Financial Conduct Authority reference no: 308488 on behalf of selected A rated insurers.
Golf Holidays Direct Limited act as a travel agent who book different elements of a client’s trip on behalf of the venues involved. The travel arrangements you see on this website are provided by third parties, which are responsible for the provision of the travel arrangements you have booked (the "Supplier Principal(s)"). We do not own, control or operate those Supplier Principals or the accommodation, flights, car hire, other transport, golf facilities or other arrangements which you book through us. All the travel arrangements which feature on this website or in our brochures are sold by us ( Golf Holidays Direct ) as an agent for the actual Supplier Principals of the travel arrangements except where we indicate that the travel arrangements are sold by us as a principal.
The booking commences when you have confirmed that you would like to proceed with the holiday and paid your deposit, or balance payment if the holiday departure date is within two months of the booking date. The holiday contract is subject to English Law and is binding under the relevant conventions. You may, however, choose the law and jurisdiction of Scotland or Northern Ireland if you wish to do so.
Golf Holidays Direct Limited will send a Booking Confirmation once you have paid the deposit or, if holidaying within two months of booking, the final balance payment. This confirmation may contain some Provisional arrangements that are yet to be confirmed, i.e. tee-times at a busy or exclusive golf club. We will of course provide a solution if any Provisional arrangement is not possible. The Account and Confirmation will show a clear holiday itinerary and payment schedule with the times, places and particulars of the transport, accommodation and other arrangements included in the holiday. It will also detail the total cost payable unless otherwise stated. Please ensure you have read and understand the Terms and conditions of booking a trip with Golf Holidays Direct.
Golf Holidays Direct
Golf Holidays Direct is owned and operated by Golf Holidays Direct Limited part of the ASR Travel Group.
Golf Holidays Direct Limited act as an agent on behalf of each venue.
Our registered office is Building 15, Gateway 1000, Stevenage, Hertfordshire, SG1 2FP
Our registered VAT number is 271496385.
Your Holiday Itinerary
Your holiday itinerary is as stated on your emailed Account and Confirmation of Booking from Golf Holidays Direct Limited. Please read it carefully (including the Notes section) to ensure that the itinerary is correct as changes can be more difficult to make if left until later.
Deposit and Full Payment
Golf Holidays Direct Limited have a no deposit policy, however, should you wish to pay funds towards your holiday, you can do so at any time. For larger groups there may be an additional £50 per person deposit due subject to the venue you choose, Golf Holidays Direct will give you four weeks’ notice if this deposit is required.
There are no surcharges for credit or debit card payments, payments for cheque or bank transfer. Flight inclusive packages will have an increased deposit cost which will be offered to you at the point of booking.
The balance must be paid no later than 28 days before the start of your holiday to enable us to honour our arrangements with our suppliers. Failure to pay the balance within the 28 day period or the date specified within your booking confirmation will result in the cancellation of your holiday and loss of any money paid to date.
From time to time venues may request monies and invoices to be paid earlier than 28 days and at that time we will notify you as soon as the venue has contacted us. If payments cannot be made on time it may result in the cancellation of your booking subject to the venues terms and conditions. Please ensure if you make final payment by bank transfer that you allow three working days for payments to clear in time of your final balance payment date.
Golf Holidays Direct can accept payments via debit or credit card over the phone as well as bank transfer. If you are paying by bank transfer please telephone us to confirm the bank details before sending the transfer. Golf Holidays Direct shall not be responsible for any erroneous transfers.
Please note that Golf Holidays Direct Limited strongly advise all clients to take suitable Personal Holiday Insurance - either through your normal insurance broker or a specialist travel insurance company. We also advise you to inform the insurer, irrespective of your age, of any pre-existing medical conditions (treated up to two years prior) or all cardio-vascular and any other serious conditions at any time prior to your holiday departure.
Hire car insurance (and Superior Damage Excess Waiver) is included in our packages featuring car rental so please read carefully the hire car agreement when collecting your hire car as you may be asked to pay for an insurance already included in your holiday cost.
Golf Holidays Direct Limited ask you to inform us of your party's playing standard as this assists the planning of your golf. Generally speaking, it is advisable to travel with a copy of your Handicap Certificate although these are not necessary for our clients with most clubs. However, if it is apparent that your standard of golf or etiquette is not suitable, the golf clubs do reserve the right to ask you to leave the course.
Health and Disabilities
Please advise Golf Holidays Direct if any person in your party has special requirements so that a suitable room can be reserved, and buggies can be booked where available. Please note that we cannot guarantee the provision of these special requirements, but we do guarantee our endeavour in requesting them. For instance, we cannot be held responsible is the bedroom is no longer available due to a technical fault or if the buggies are no longer allowed due to adverse weather conditions.
Golf Holidays Direct offer a free cancellation policy. You can cancel your holiday without financial penalty any time before your final balance is due. Your final balance must be paid in full no later than 4 weeks before your travel date. Cancellations by you, within 4 weeks of your travel date are non-refundable.
If your booking is cancelled due to Force Majeure, Golf Holidays Direct are not liable for any compensation claims. These conditions include, "unavoidable and extraordinary circumstances" Such events may include, without limitation: war or threat of war, riot, civil strife, actual or threatened terrorist activity, industrial dispute, natural or nuclear disaster, adverse weather conditions, fire, epidemics and pandemics and airspace closures.
Cancellations Made by us
Golf Holidays Direct Limited reserve the right to cancel your holiday, if we do you will be offered the choice of a comparable holiday, or a full refund within 14 days of cancellation.
Important Notes on Prices
The holiday prices are based on the commercial exchange rate for the relevant destinations as of the week of your booking as listed by the Financial Times guide to worldwide currencies. These rates are available on request. Due to uncontrollable economic and government activities and actions, such as Brexit, when paying your final balance, you may be asked to pay a slightly higher or lower rate based on the exchange rate at the time of paying your final balance.
The description of the regions, hotels, courses and other aspects of the holidays in this brochure are based on opinions gained on visits to them and on the opinions of clients, official bodies, guides and professional third parties. We have gone to considerable effort to ensure the accuracy of descriptions and information. We are not always able to exercise control over all the components of the holiday arrangements and it is possible that an advertised amenity be withdrawn or changed due to various reasons such as water conservation, renovation work, etc. We will advise you if we become aware of such a change, but we cannot accept liability for loss, damage or inconvenience in such circumstances.
Passports and Health Regulations
A passport is still necessary for travelling and it is advisable to carry one for identification purposes. Passports, visas and inoculations are your responsibility. Kindly advise our staff if any of your party is not a British citizen or a citizen of another member of the European Union. All passengers including children need their own passport and generally, passports must be valid for at least six months after the date of end of the holiday. Please note that some entry stamps can prevent entry into certain countries and that there may be certain restrictions on one parent travelling with a child. Further information should be sought.
The best advice is: PLAN AHEAD and CHECK YOUR PASSPORT NOW. It is advisable to obtain from your local DHSS office a copy of the booklet Protect Your Health Abroad and the European Health Insurance Card which offers you UK National Insurance to medical assistance in European countries.
Golf Holidays Direct Limited do not own the venues they work with and any special requests such as room types, sleeping arrangements and tee times are on a request basis only. We will do our best to ensure your special requests such as restaurant reservations, a particular room number at a hotel you know or buggies for the golf course, are acknowledged and taken care of by us and our holiday partners. However please note that we can only guarantee you of our endeavour of organising the special request but not the actual provision of the special request. For example, buggies may not be possible because of the weather or mechanical problems. We cannot therefore be held responsible for the lack of provision of special requests and any consequences thereof, but we will be happy to provide you with the reasons behind the lack of provision. Unless otherwise requested by the client, Golf Holidays Direct limited will book double rooms with a double bed, if a party of men are travelling it should be requested that the rooms being booked are twin rooms.
Please note buggies are on a request basis only, are not guaranteed & subject to the venues availability. If you have a disability please provide Golf Holidays Direct with a medical certificate which we can send to the venue on your behalf and we will confirm back if a buggy has been pre booked and secured.
Your Tickets and Vouchers
Golf Holidays Direct can provide you with Login details to your Online Tickets and Tourist Information as soon as the holiday balance has been paid. The information includes all the details to help make your holiday as enjoyable as possible. Otherwise, we will email you the Tickets and Tourist Information a couple of weeks before departure. Please note that a £20 per booking charge will be payable if you would like the Tickets and Tourist Information posted to you.
When driving abroad, you should mask the beam deflector part of your headlights with tape and carry a first aid kit. A set of spare bulbs, warning triangle, nationality indication and insurance documents are obligatory. Speed limits abroad are generally 130 kilometres (110kmh in wet conditions) per hour on autoroutes, 90kph on other major roads, and 50kph in towns. You may be fined, or your licence confiscated if you exceed any speed limit. Check all your tyres and tyre pressures, oil levels and coolant systems before going on holiday. Never drive when you are tired - stop and rest or share the driving. Remember to drive on the correct side of the road. We can provide detailed maps with your tickets. You must have your driving licence with you (and other drivers of your car must also have theirs), the registration document of your car (or, if you are not the owner, a letter of permission to take the car abroad) and it is still advisable to obtain a green card from your car insurance company.
All cars reserved by Golf Holidays Direct will be fitted with all necessary equipment to adhere to the local requirements. Your ticket pack will contain information regarding speed restrictions and driving law. Your licence may be confiscated if you exceed any speed limit. All drivers must present their two-driving licences and credit cards when collecting the car, all drivers must be aged 21 or over and must have held a valid driving licence for at least two years. The car hire companies are well-signposted and tend to be just outside the main airport terminal - follow the signs for Car Hire. Hand in your car hire voucher at the booth. You will be asked to present your licence, credit card and be given a form to sign - please ensure you do not sign for extra insurance unless you want it. You will then be asked for an imprint of your credit card - this will only be used in case of damage to the vehicle. It is a good idea to check the car for damage before you drive away. Please take a few moments to get used to the controls before you leave the car park and do remember to drive on the correct side of the road! Thieves can sometimes tell if a vehicle is a hire car by the registration - be extra careful and never leave valuables on show. When returning the car, allow an hour for checking it in. Always return the vehicle with a full tank of fuel (except in the USA where our hire car prices include the first tank of petrol) as the refilling charges can be very high.
In general, rooms are available for occupancy between noon and 14:00 on your day of arrival and should be vacated by 11am on your day of departure. Your luggage can be left with the hotel reception if need be.
You will receive details of our emergency telephone number with your tickets. Should you have any queries or problems please do not hesitate to contact us; we will respond to your query at the earliest possible opportunity. Minor problems with the hotel and golf courses should be brought to the attention of the relevant establishment - it is usually the case that a misunderstanding has led to your dissatisfaction and the issue can be resolved quickly and to your approval.
British Consular Services
The Consuls protect the interests of their citizens abroad and can help issue emergency passports, contact relatives, advise on how to transfer funds and make representations on your behalf to the local authorities in certain circumstances. A Consul cannot intervene in court proceedings or pay bills or book accommodation. Travel advice for British citizens can be obtained by phoning 020 7008 1500 or on https://www.gov.uk/foreign-travel-advice.
Foreign alcohol is often stronger than at home and spirits can be served in more generous measures - watch how much you drink. Most of our suggested destinations are credit-card orientated so only a minimum of cash need be carried. Respect the law and avoid any involvement with drugs.
All the establishments offered in our programme have been inspected by us or third parties with whom we have a working relationship. Although we make every effort to ensure that our suppliers comply with national and/or local fire and health and safety laws, please bear in mind that safety standards vary from country to country and may not always be as stringent as in the UK. Liability insurance requirements also vary considerably from country to country, as does the responsibility placed on organisations by law. The monitoring, enforcement and compliance with such regulations and standards is the responsibility of the respective local authorities and the supplier of the services concerned.
We advise that you take all reasonable precautions to protect yourself and your party while on holiday. For example, you should familiarise yourself with the hotel layout and emergency escape routes of your accommodation, check the depth of a swimming and do not swim until at least an hour after eating. Do not leave children unsupervised in or around the swimming pool area. At beaches, be aware of depths, tides and currents and swim along the shoreline and not out to sea. Watch out for terrace, balcony and hotel. Never climb balcony railings and keep furniture away from the railings. Always accompany children in lifts particularly if the lifts do not have internal doors. Some hotels have beams or alcove rooms so mind your head as it may take you a little time to get used to them. If you take medication, ensure you have enough to last while you are away - for advice on taking medicines abroad visit https://www.gov.uk/travelling-controlled-drugs.
Unused Holiday Vouchers
Unused vouchers cannot be refunded unless you have alerted the supplier beforehand and they have agreed to refund Golf Holidays Direct Limited.
No financial protection applies to the sale of gift vouchers until such time that the voucher is redeemed against a package holiday.
Golf Holidays Direct do our very best to ensure that we and our suppliers provide you with what we have reserved. If they do not, we will seek to provide a quality solution except where your actions led to the failure and where unforeseeable circumstances meant that the failure could not have been avoided - even in these instances, we will endeavour to ensure the holiday arrangements are in place from then on. It is your responsibility to inform us and the supplier of any defects or faults at the earliest opportunity. Please do not leave the reporting of these until after the holiday. The earlier you tell us, the earlier we will be able to improve the situation. Should you still be unhappy, please inform us, in writing, within 28 days of your return and we will do our very best to provide answers to your queries. Should we not provide reasonable performance of the holiday contract with you, we will endeavour to provide reasonable recompense. Should you have a complaint you can email firstname.lastname@example.org
We reserve the right to change, modify, substitute, suspend or remove without notice any information or service.
We do not guarantee that our Website, or any content on it, will always be available or be uninterrupted. Access to our Website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our Website without notice. We will not be liable to you if for any reason our Website is unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to our Website.
Our Website is directed to people residing in the United Kingdom. We do not represent that content available on or through our Website is appropriate or available in other locations. We may limit the availability of our Website or any service or product described on our Website to any person or geographic area at any time. If you choose to access our Website from outside the United Kingdom, you do so at your own risk.
Intellectual Property Rights
All information, data and materials presented on this Website are subject to copyright, trade mark rights, database rights and/or other intellectual property rights. We are the owner or the licensee of all intellectual property rights in our Website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You must not use any part of the content on our Website for commercial purposes without obtaining a licence to do so from us or our licensors.
Stableford Loyalty Points
By booking a holiday with Golf Holidays Direct you will automatically accumulate loyalty points called "Stableford Points" which you can use on any future booking. Stableford points are not able to be used on the booking in which you have accumulated them and cannot be exchanged for cash or vouchers.
For each £1000 spend with Golf Holidays Direct you will accumulate 100 Stableford Points. 100 Stableford points have a cash saving value of £10. You will be notified how many Stableford Points you have accumulated on your booking confirmation and under the manage your booking portal.
£50 Sign Up Voucher
The £50 free voucher GHDNEW50 can be used only on new bookings and must be overseas holidays only for groups of 4 or more. Only one voucher can be used per booking.
Covid 19 Effected Bookings
If your holiday booking with us has been disrupted or cancelled due to Covid 19 or advice from the FCO, we are offering customers the ability to amend their booking to a later date in the year, waiving any amendment fees. For customers who have had holidays cancelled due to the global Coronavirus outbreak, we are issuing an industry protected Refund Credit Note (RCN). Any RCN will be valid until the expiry date stated on it. If you do not use the RCN by its expiry date, you can obtain a cash refund for any unused part. For customers that are not in a position to amend their booking or accept an RCN to apply towards a future holiday, a cash refund is available. Due to the volume of cancellations and the time-consuming process of contacting suppliers to obtain refunds, it is taking longer than we would like to process and action cash refunds.
Who are we?
Golf Holidays Direct is a trading name of Golf Holidays Direct Limited For the purposes of the Data Protection Act 1998 and the General Data Protection Regulation we are the data controller.
What personal information will Golf Holidays Direct collect about me?
- The information we collect;
- Why we collect it;
- How long we store it;
- Our legal basis for processing your personal data;
- Who, if anyone, we disclose your personal data to;
- Your rights and how you can see, update or delete your personal data.
To make it easy to understand what data we collect about you we have grouped this policy into how you and others get information from us/ interact with us:
- Our digital services, including our websites;
- Services we use to communicate such as social media;
- Contacting us directly via email, phone and letter.
When you use our digital services
We use website log files, cookies and digital analytics (Google) to gather information about how people use this site www.golfholidaysdirect.com
We do not collect or store your personal information (e.g. your name or address) in our website analytics. However, we can recognise that behaviours belong to a single person. The information collected helps us investigate whether each website meets its users' needs as well as to evaluate how each website can be improved. We store information about what pages you visit, how long you are on the site, how you got here and what you clicked on.
Website log files collect your IP address, when you visited the site and the pages you visited. IP address is a numeric code assigned to a device based on your geographical location. For example, if you are in London your IP address will be the same as other users accessing the internet from London.
Digital analytics & DoubleClick
Digital analytics tools such as Google Analytics and DoubleClick may be used to record anonymous user's interaction with our websites. This data may then be used to retarget users through advertising on other websites, therefore an individual's behaviour on one of our websites may result in them being retargeted with advertising related to the pages they visited or actions they took on the site.
Remarketing / Remarketing Lists for Search Ads (RSLA)
When you provide personal data
Enquiring about a holiday
You can request information or a holiday quotation by telephone, email or by completing a form online. We will collect your name, and contact details such as your email address, postal address and telephone number, as well as the details of your general or specific requirements. Our legal basis for processing is contract and we will retain the details for 4 years after your enquiry.
Our team will then use this information to help find you a holiday, to communicate options to you and for future marketing communications. You may ask us to stop providing details of holidays or offers at any point and the data will be deleted within a month.
Booking a holiday
When you make a booking, we will collect information, including your name, email address, postal address and telephone number, and the names of other passengers on the booking. We may also need your credit/debit card details, passport number, and date of birth, and details of any special needs, health, medical, mobility or dietary requirements, etc. We process this data as part of our contract with you and we retain it in our secure database for 4 years after your last communication with us.
You are under no obligation to provide any such information. However, if you should choose to withhold requested information, we may not be able to process your booking or provide you with certain services.
We must pass your information to other relevant suppliers of your holiday arrangements such as airline and transport operators and accommodation providers. Your personal information may also be passed to travel agents, tour operators, government and security agencies and to the public authorities of any country in your itinerary, including immigration and customs authorities.
We will only pass on information relevant to the service. We will work with any suppliers to ensure that any data passed to them is adequately protected and adheres to the levels of privacy and data security practised by us.
Our team will also use the information to communicate the details your holiday with you and for future marketing communications. You can ask us to stop providing details of holidays or offers at any point and your details will be deleted from any marketing lists within a month.
Customer satisfaction surveys
We ask guests to complete a survey at the end of their holiday. This survey requests your contact details including your name, email address and postal address, plus your feedback on various aspects of your holiday. We use the information to measure the effectiveness of our service, and in responding to customer complaints.
We also use non-personal information for business, research and marketing purposes, for example:
- Internal reports on the quality of our service and that of our suppliers;
- Reports shared with our partner airline and transport operators, accommodation providers and tour operators;
- Marketing literature using aggregated scores and quotes drawn from feedback about our services.
Our legal basis for processing is contract and we will retain the personal information securely for 4 years after you complete the form.
If you consent to future marketing, we will continue to process your data on that basis. We store this in a secure database for 4 years after your last communication with us unless you withdraw consent. If you withdraw consent it will be deleted within a month.
You can request a brochure by email or post. In order to do this, we need your name, email or postal address and the brochure requested. Our legal basis for processing is contract and we will retain it for 12 months after the request.
However, if you consent to future marketing we will continue to process your data on that basis. We store this in a secure database for 4 years after your last communication with us unless you withdraw consent. If you withdraw consent it will be deleted within a month.
We produce regular email newsletters detailing product news, deals and offers. To provide these newsletters, we request contact details including your name, email address and postal address.
We only collect this data when we have your consent and retain it on a secure database. We store this data for 4 years after your last communication with us unless you withdraw consent. If you withdraw consent it will be deleted within a month.
Entering a competition
When you enter a competition, we may collect your name, email address and postal address. You are also given the option to consent to future marketing from us. We process this data as part of our contract with you and we retain it for 2 months after the competition has closed.
However, if you consent to future marketing we will continue to process your data on that basis. We may use this data and other data we hold about you to tailor the communications we send and improve our service to you and others. We store this in a secure database for 4 years after your last communication with us unless you withdraw consent. If you withdraw consent it will be deleted within a month.
When you make a complaint to us, you can do so via an email, telephone or letter. The complaint is logged on an internal system. Once a complaint has been logged on our system, a customer service team member will review and respond to it.
We will use the personal information we collect to process the complaint and to check on the level of service we provide. We may share your details with partner airline and transport operators, accommodation providers, tour operators and our legal partners.
By giving us your personal data, you consent to us processing it. We retain personal data obtained from complaints securely for 4 years and then confidentially destroy it.
Interacting with us on social media
When you use a social media platform to interact with us in public or by private message, details about how your personal information is held, is described within the relevant social media policy, such as Facebook or Twitter.
You can sign up for email newsletters, request a brochure or enter our competitions via social media, please see the ‘request brochures’, ‘email newsletters’ and ‘enter a competition’ sections above and the terms presented in the service at the point of sign-up.
When you contact us directly
When you phone us
We will only collect personal information that you consent to provide to us in order to deliver a service.
We may record calls you make to us, and calls we make to you for training, quality control and fraud prevention purposes.
When you email us
When you contact us via email, we will retain your email and our response to it for as long as the business issue remains. After this, the information will be confidentially destroyed.
When you write to us
When you contact us via post, we will retain your letter/postal address/personal information and our response to it for as long as the business issue remains. After this, the information will be confidentially destroyed.
When we contact you
We may email you regarding a contract or service or in response to a request, you have made. Your data will be stored for the purpose and time required to fulfil this.
If you book a holiday with us we will email you with information about your holiday and with emails promoting our products and offers. The legal basis for this is our contract with you. You can ask us to stop providing details of holidays or offers at any point and your details will be deleted from any marketing lists within a month.
If you have not booked a holiday with us, we will only send emails to you promoting our products and offers where we have your consent. However, if you subscribed to receive information via email before May 2018, you have not asked us to stop and you have engaged with the content recently we will continue to contact you. The legal basis for this is legitimate interest.
We store your data in a secure database for 4 years after your last communication with us, unless you withdraw consent. If you withdraw consent, we will delete your data within a month.
Occasionally we send brochures or information about our products and offers by post.
If you book a holiday with us, the legal basis for this is our contract with you. You can ask us to stop sending details of holidays or offers at any point and your details will be deleted from our marketing lists within a month.
If you have not booked a holiday with us, we will only send marketing emails to you promoting our products and offers where we have your consent. However, if you subscribed to receive information before May 2018, you have not asked us to stop and we believe the information will be of interest to you, we will continue to contact you. The legal basis for this is legitimate interest.
We store your data in a secure database for 4 years after your last communication with us unless you withdraw consent. If you withdraw consent, we will delete your data within a month.
We use a third-party provider to print and send information by post. They store your personal data for 3 months after it has been sent.
Under the General Data Protection Regulations, you have rights as an individual which you can exercise in relation to the information we hold about you. Read more about your individual rights on the Information Commissioner's Office website.
Access to personal information
We try to be as open as we can be in terms of giving people access to their personal information. Individuals can find out if we hold any personal information by making a 'right of access' request under the General Data Protection Regulations. If we do hold information about you, we will:
- Give you a description of it;
- Tell you why we are holding it;
- Tell you who it could be disclosed to; and
- Let you have a copy of the information in an intelligible form.
Opting out of marketing communications
You can withdraw your consent to us processing your information for Marketing purposes at any time. You can do this at the time you give us your information, by clicking on the “unsubscribe” link in an email we send you, or by emailing us at email@example.com
Links to other websites
We keep our privacy notice under regular review. This privacy notice was last updated on 23rdFebruary 2021.
You can access this policy at any time through the link at the bottom of our website and in any email newsletter we send you.