Credit reference <p>To assist in combating fraud, we may share information with credit reference agencies, so far as it relates to clients or customers who instruct their credit card issuer to cancel payment to us without having first provided an acceptable reason to us and given us the opportunity to refund their money.</p> 18.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp. Data may be processed outside the European Union <p>Our websites are hosted in the UK.</p> <p>We may also use outsourced services in countries outside the European Union from time to time in other aspects of our business.</p> <p>