We are committed to safeguarding the privacy of our website visitors; this Privacy Policy sets out how we will treat your personal information.

1. What information do we collect?

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. Cookies

2.1 We use cookies on this website. A cookie is a text file sent by a web server to a web browser, and stored by the browser. The text file is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser.

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.

Specifically we use cookies on money.co.uk as follows:

  • to check if your browser is set to accept cookies we use the cookie cookiechecks
  • to monitor how visitors use the site and optimise usability we use the cookies trVisitData, trVisitID and trVisitIDHash. These are deleted once you close your browser
  • to enable money.co.uk members to remain logged in when they navigate around the site we use the cookie userinfo, and userinfo_member to identify members that have logged into the site in the past 30 days
  • to temporarily record information that a user enters into the site before logging in we use the cookies money_ugc_waiting and money_object_waiting. We also use money_ugc_error and money_ugc_message to enable us to notify visitors that when something goes wrong with a post they have entered on the site. All of these cookies are deleted after 60 minutes
  • to enable us to monitor the number of visitors that return to the site we use the permanent cookie trHash
  • to prepopulate forms (like those used to login and reset passwords) we use the cookie user_email, this is deleted once you close your browser
  • to facilitate navigation around the site we use the cookies sbnav and focus and val_deal_page, these are deleted when you close your browser
  • to record your preferences relating to money.co.uk ‘Feedback’ the cookies we use are dzFBpreference and dzFBlater. These allow us to hide the ‘Feedback’ prompt or remind you if you opt to leave feedback later and are deleted once you close your browser
  • to track recommendations via our ‘tell a friend’ functionality we use the cookie memberReferralId
  • to store information about overlays we use the cookie money_ugc_overlay
  • to temporarily store a user-selected value whilst loging in we use cookie money_alert_waiting
  • to enable the user to switch to desktop version from mobile site we use the cookie desktopMode

2.3 Use of our website will also result in cookies generated by third parties being sent to you, as follows:

(a) We use Google and Microsoft analytics (and their related conversion tracking tools) to analyse the use of money.co.uk. These systems generate statistical and other information about website use by means of cookies stored on users’ computers. The information generated about the use of this website is used to create reports about the use of money.co.uk. Google and Microsoft will store this information, although many of the cookies they use are deleted when you close your browser. You can find out more about the way Google and Microsoft use cookies by visiting their respective privacy policies available at http://www.google.com/privacypolicy.html and http://atlassolutions.com/privacy-policy.

(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.

(d) We may use Google's cookies to serve you ads on third party websites, based on your prior visits to money.co.uk. You may opt out of Google's use of cookies by visiting the Google advertising opt out page.

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.

You can find out more about cookies by visiting http://www.aboutcookies.org/ or www.youronlinechoices.eu.

3. Using your personal information

3.1 Personal information submitted on this website will be used for the purposes specified in this Privacy Policy or in relevant parts of the website.

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.

4. Other disclosures

In addition to the disclosures reasonably necessary for the purposes identified elsewhere in this Privacy Policy, we may disclose information about you:

(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.

5. International data transfers

Information that we collect may be stored and processed in and transferred between any of the countries in which we operate in order to enable us to use the information in accordance with this Privacy Policy.

6. Security of your personal information

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.

7. Policy amendments

We may update this Privacy Policy from time-to-time by posting a new version on our website. You should check this page occasionally to ensure you are happy with any changes.

8. Your rights

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.)

9. Third party websites

The website contains links to other websites. We are not responsible for the privacy policies or practices of third party websites.

10. Updating information

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.)

11. Contact

The data controller in respect of personal information submitted to our website is Dot Zinc Ltd.

If you have any questions about this Privacy Policy or our treatment of your personal information, please write to us using our website contact form or by post to Dot Zinc Ltd, 160 Fleet Street, London, EC4A 2DQ.

If you wish to make a complaint please see our Complaints Procedure.

We are registered under the Data Protection Act 1998 (registration number Z6245956).