We may collect, store and use the following kinds of personal information:
(a) information about your computer and about your visits to and use of this website (which may include information about your IP address, geographical location, browser type, referral source, length of visit and page views);
(b) information that you provide to us for the purpose of registering with us, receiving our newsletters and alerts and/or downloading ebooks from our website (including your email address);
(c) information that you provide when using our reminder service (which may include your insurance and other financial services renewal and/or expiry dates, and details of your insurance and other financial services providers);
(d) information that you provide when using a product search or completing an enquiry form (including your personal information, postcode, phone number and details relating to your requirements);
(e) information that you provide when entering a prize competition on the website;
(f) information that you provide to enable us to fulfil any prize won by you (which may include your postal address or bank details);
(g) information about purchases of financial products that you make on third party websites after you follow a hyperlink on our website (including the product purchased, the product provider and the date and time of the purchase);
(h) information supplied to us when you sign up to our money saving newsletter via a third party promotion, including via email campaigns, competition sites and survey websites (including your title, first name, surname and email address and in some cases your address and gender);
(i) information you post on the site (including deals, discussions, responses, questions, answers, comments, journal entries, photos, action plans, tips, reviews and success stories); and
(j) any other information that you choose to send to us (including testimonials, feedback and questions).
2.2 We will send cookies to you (which may be stored by your browser on your computer's hard drive) for the following purposes:
(a) to enable the website to identify you while you are logged in and manage your sessions on the website (including assisting with website navigation);
(b) track purchases of products and services on third party websites; and
(c) to validate competition prize entries.
2.3 Use of our website will also result in cookies generated by third parties being sent to you, as follows:
(b) We may use Tynt to monitor cutting and pasting of text from our website. Tynt only tracks the material being copied and does not track any personally identifiable information. You may be able to opt out of Tynt (by means of a cookie) here: http://www.tynt.com/support/opt-inout.
(c) We use Crazy Egg to analyse traffic to this website in order to understand our customer's and visitor's needs. Crazy Egg collects only anonymous, aggregate statistics. Crazy Egg does not tie a specific visit to a specific visitor.
2.4 Most browsers allow you to refuse to accept cookies. (For example, in Internet Explorer you can refuse all cookies by clicking “Tools”, “Internet Options”, “Privacy”, and selecting “Block all cookies” using the sliding selector.) This will, however, have a negative impact upon the usability of many websites.
3.2 Information you enter into a product search or enquiry form may be:
(a) shared with a third party so we are able to provide you with information about the products and/or services you requested. This may include introducing you to a broker who will either contact you direct to discuss your requirements or arrange for a qualified advisor to do so on their behalf. All the companies we work with are FCA regulated where relevant.
(b) stored internally and held against your money.co.uk profile if we detect you have a money.co.uk account.
3.3 If you enter a competition, we may use your personal information to manage any competition entries you submit, validate such competition entries, and send you any prizes you may win.
3.4 If you sign up for our reminders service, we may use your personal information to send you email reminders regarding the renewal or expiry of your insurance policies or the expiry of an introductory offer on a financial product you hold. If you give your consent, we may also provide this information to third parties to enable them to notify you of suitable products and services at the appropriate time.
3.5 If you sign up to receive our newsletters, we will use your personal information to send you the newsletter and manage your subscription.
3.6 If you sign up to receive Alerts we will use your personal information to send you Alert emails based on the companies, categories and tags you have selected, and to manage your subscription.
3.7 More generally, we may use your personal information to:
(a) administer and enable your use of the website;
(b) improve your browsing experience by personalising the website (which may include the service of targeted offers for products and services);
(c) provide third parties with statistical information about our users (but this information will not be used to identify any individual user);
(d) deal with enquiries and complaints made by or about you relating to the website;
(e) investigate the misuse or alleged misuse of the website; and
(f) send you email notifications when products you have told us you are interested in are introduced, or when products you hold change.
(g) send you email notifications when there has been activity on posts that you have interacted with in the money.co.uk community.
(h) send you other periodic emails that you will have the ability to control the frequency of or unsubsribe from at any time.
(i) share reviews added to money.co.uk with third parties (personal information will not be used to identify any individual user).
3.9 We will not without your express consent provide your personal information to any third parties for the purposes of direct marketing.
(a) to the extent that we are required to do so by law;
(b) in connection with any legal proceedings or prospective legal proceedings;
(c) in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk); and
(d) to the purchaser (or prospective purchaser) of any business or asset which we are (or are contemplating) selling.
6.1 We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.
6.2 We will store all the personal information you provide in our password-protected database. Our servers are protected by a firewall. In addition, all pages on the website relating to your personal information will be protected using SSL technology, and account details (including passwords)will be stored in our database in an encrypted form.
6.3 Of course, data transmission over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.
6.4 You are responsible for keeping your password and user details confidential. We will not ask you for your password (save when you log on to the website).
6.5 You have control and responsibility over the privacy settings on your account. 3 privacy settings are available: public (anyone can view post), friends only (only “friends” can view post) or private (only the member who submitted the post can view post). These privacy settings can be applied to your action plan progress, your journals, your photos, who can send you private messages and who can view activity within your profile. However, if you respond to a post made by another user, the privacy setting of your post will default to the privacy setting of the post you are responding to. These privacy setting may be expanded in the future to include other types of content posted to the website.
6.6 Some user content will be published on the website (such as blog comments, questions and answers, success stories, tips, ratings, reviews and testimonials).
6.7 Should you wish to keep your identity anonymous when you post on the website, this will be your sole responsibility.
8.1 You may instruct us to provide you with any personal information we hold about you. Provision of such information may be subject to the payment of a fee (currently fixed at £10.00).
8.2 You may instruct us not to process your personal information for marketing purposes at any time by using our website contact form. (In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt-out of the use of your personal information for marketing purposes.)
The website contains links to other websites. We are not responsible for the privacy policies or practices of third party websites.
Please keep the account information we hold about you up-to-date. (You are able to amend your account information when logged in to your account.)
The data controller in respect of personal information submitted to our website is Dot Zinc Ltd.
If you wish to make a complaint please see our Complaints Procedure.
We are registered under the Data Protection Act 1998 (registration number Z6245956).