4. Disclosure of personal information to third parties <p>We may disclose personal information to:</p> <ul> <li>third party service providers for the purpose of enabling them to provide their services, including (without limitation) IT service providers, data storage, web-hosting and server providers, debt collectors, maintenance or problem-solving providers, marketing or advertising providers, professional advisors and payment systems operators;</li> <li>our employees, contractors and/or related entities;</li> <li>sponsors or promoters of any competition we run;</li> <li>credit reporting agencies, courts, tribunals and regulatory authorities, in the event you fail to pay for goods or services we have provided to you;</li> <li>