money.co.uk, The Cooperage, 5 Copper Row, London, SE1 2LH
Dot Zinc Limited, which trades under the name of "Money.co.uk", (“Money.co.uk”, “we”, “us” or "our") wants to protect your privacy.
We may provide further disclosures for some services, and these should be read in addition to this policy.
Our services may contain links to external sites. We do not control these sites and encourage you to read their privacy policies.
We are Money.co.uk and we are the controller of the data that you share or that we collect about you. This means we oversee how your data is processed.
Money.co.uk is part of RVU Limited, a division of ZPG Limited. Any reference to the ZPG within this policy includes all or any of Money.co.uk’s direct or indirect parent or subsidiary undertakings.
You can contact our Group Data Protection Officer at email@example.com or via our postal address below. Please mark your letter: 'Money.co.uk Data Protection Officer'.
From time to time, we change this policy. We will post any changes to this page, so please check it often.
When you use our services, we collect data. You give us data when using our services (such as your name or email address) and some data we collect automatically.
We collect only the data necessary for specific purposes that the law allows.
To use our services, you must share some of your data with us. For example, you may provide data to enter into a contract or competition, to use our services, purchase a product, to make a complaint, or ask for help. Typically, you might share things like:
Name or username
Date of Birth
Car make and model
Where you provide us data you do so on your own behalf, or where providing us with someone else's data, that you have their consent to do so
We may need certain sensitive data to provide some services (like health data). When we need to use your sensitive data, we may need to ask for your consent. If you do not consent to this use, you may not be able to use that service.
You may also choose to share other data with us, such as comments, interests, likes and dislikes, and survey answers.
When you use our services, we collect some data automatically. The data we collect will depend on the service you use, but it includes things like:
Cookies and other online IDs
Website visit length, clicks, page views, and other actions
ISP and IP address
Device and browser data
Emails from us you have opened and / or clicked
If you use other ZPG services, we may get data about that use.
We work with third parties, who help us provide and market the services we offer. Some of these provide us with the data we need to operate our services (for example, we may obtain data about your credit status or likely interests).
If you use other ZPG services, we may get data about that use.
Where our services allow you to look up data (for example, using house number and postcode to get property information), you may only use the service if all parties whose data you are searching agree. If you do not have this consent then you must not use the service.
We may combine the data we have to create new data. The data we create about you will depend on your use of our services, but it may include:
Inferences about your interests and product preferences
Please note: We do not use the data we collect to infer sensitive data about you.
We use data for purposes connected with serving you and operating our business.
Depending on your use of our services and the choices you make, we will use your data for the following.
When providing our Services we may use your data (as applicable):
To check your identity and eligibility for our services.
To register and secure your account.
To help you find our best pricing and products.
To direct you to the websites of our partners.
To process transactions between you and us, or our partners.
To track sales and get paid by our partners.
To build profiles of your use of ZPG services, and personalise your service.
To keep your data updated.
To ask for the cancellation of your products with third parties (where possible), when you have asked us to.
To provide customer service and support.
To enable you to use social sharing tools.
To complete data rights requests you have made.
To help improve and promote our services, and the services of our partners, we may use your data:
To carry out analysis and market research.
To help present our services clearly and in the most effective way.
To run competitions, incentives, and surveys.
To help us and our partners create better products for you.
To process any rewards we may offer to you.
To send updates and service messages about your products and services.
To let you know about our services and promotions by email, social media (e.g., Facebook), SMS, and using push notifications (where you agree).
To let you know about other RVU and wider ZPG services.
To build, train, and augment models which help us understand your likely interests and those of others.
To target advertising to you, on this and other websites, based on data we have collected or created.
To help us understand if and how our and others marketing works.
Please note: We do not use profiling in a way that could have legal or similar effects (like deciding whether and how much credit you might get).
In the course of running our business we may use your data:
To do the things that are necessary for running our services and business.
To help secure our business and prevent fraud.
To create reports for internal or external purposes.
To comply with the legal and regulatory obligations that apply to us.
To audit our business and processes.
To protect the interests of our business, and those of our partners.
To help assess any assets we may buy or sell.
Please note: We may combine your data with the data of others (e.g. a count of the total number of website users per day). This data we create by doing this cannot be used to single you out and is not personal.
To use your data, we must have a valid reason (a "lawful basis").
Sometimes we ask for your consent (e.g., to use some cookies) and sometimes, where you would expect us to use your data, we do not need to ask.
Our reason for using your data is usually one of the following:
We must use your data to carry out a contract you are party to or take steps before you enter a contract.
You have given us consent to use your data for a certain reason (you can revoke your consent at any time).
We (or another ZPG company) must use your data to follow the laws or regulations to which we are subject.
We have a legitimate interest in using your data. Usually this is to help us run, improve, promote, or protect our services and business.
Examples of these interests include:
Sharing data with our suppliers so they can give you quotes.
Sharing data with our suppliers, so you do not need to re-enter it.
Sharing data with suppliers who help us offer our rewards and benefits.
Providing email summaries of quote results, when you use our services.
Contacting you to provide renewal quotes.
Contacting you to do market research about our and other services.
Auditing our processes to help keep our high standards.
Market research, statistical analysis, and product development.
Securing our services and keeping them online.
Sometimes, we may use your data when it is in the interest of another company, such as another ZPG brand, or the wider public good.
We share your data with third parties to provide our services. For example, we may share data with the partners whose products you have selected.
We also share data with third parties whose services we use to run our business. For example, we pay for a third party to host our databases. Where we use third party services to run our business, our suppliers cannot use the personal data we share with them for their own purposes.
We work with other companies in the ZPG group to store your data securely and efficiently. Other ZPG companies may use your data to provide services that you ask for, like home management, and recommend other services based on your interests.
We may also share your data with third parties for following reasons:
We may share your data with product suppliers to help them (or others) arrange your quotes, and to help you to get products. To help them work out your quote and decide if their products are right for you, these suppliers may use data from other sources. Examples of these data sources include the electoral roll, county court judgments, the DVLA and credit reference agencies.
Where our suppliers use credit reference agencies to help us provide you with prices, the checks may be logged in your file but they do not harm your credit score. However, if you apply for a product, the searches they do may be recorded and could affect your credit score. The privacy policies of suppliers set out their use of your data, and you should read them before you apply for their products.
To help prevent and detect fraud we:
Monitor the details on your application
Work with partners, suppliers, other industry companies and fraud prevention agencies to share and receive relevant information
You must answer all questions honestly, accurately, and to the best of your knowledge. Failure to do so may result in you not being offered a product, incurring additional fees and charges, being left with an invalid policy, or seeing any future insurance claim being affected. You may also be liable for any third party costs in the event of a claim.
We may share data with product suppliers to help them carry out market research and create better products for you.
We may share your data with the business partners we use to provide our services. This could include using your address to get data about your property and help you find better products. We may also ask our survey partners to contact you, so that we can find out how to make our products better.
We may share some of your data to our partners who use it to help us target our advertising to you and others. This means we try to show you adverts that we think are relevant to you and we try to stop showing you adverts that are not.
We may share data about your visit with analytics suppliers who help us improve our services for you and our business. This data is usually shared in a way that does not directly identify you.
We may also share your personal data with third parties:
If we buy or sell any business or assets, we may disclose your data to the prospective seller or buyer of that business or those assets, and its advisers. If we (or most of our assets) are bought, data held by it about its users will be one of the transferred assets.
If we collect data on behalf of our clients, we will share your data with them and you will be informed when we are doing this.
We may disclose your data to obtain advice from lawyers and other professionals.
We may share your data with companies who help us to learn about who is using our services, and how they are used.
We may pass your data on when required to do so by law or in response to a request from law enforcement or another regulatory authority. We may disclose your data to enforce our agreements with you or to protect our rights, property, or safety, or that of our users or others. This includes sharing data for security and fraud prevention purposes.
If we believe someone is in danger, we reserve the right to share data to help protect them.
We create and share general data about our consumers - you cannot be singled out within this data.
We take the protection of your data very seriously.
We follow best practices to secure your data, and we only keep it when it is needed for the purposes it was collected. These periods vary based on the type of data and the services you have used.
We may store or process your data outside of the United Kingdom, where local privacy laws do not provide as much protection. When we do that, we use approved data transfer safeguards and legal frameworks (for example, Standard Contractual Clauses) to help ensure that your data is protected. By sharing your data, you agree to this transfer, storage, or processing.
Sending data over the internet is not completely secure. We will do our best to protect your data but we cannot guarantee its security, and sharing data with us is done at your own risk.
Cookies are small text files and are widely used when you visit websites.
You have data rights which are granted to you under data protection law which you can exercise at any time. We manage all rights requests raised to us as the law requires. This means there may be legal reasons why we cannot complete all requests.
Right to withdraw consent: Where you have given us consent to use your data, you may withdraw this at any time. For instance, you can ask us to stop using your data for email marketing by using the opt-out link in any marketing email we send you, or use our cookie preference centre to reject non-essential cookies
Right to delete: You can ask us to delete the data we have about you. We must comply with this request, unless using your data is necessary:
to exercise the right of freedom of expression and information;
to comply with a legal, regulatory, or contractual obligation which requires the use or retention of your data under UK law; or
to exercise or defend legal claims.
Right to update: Although we make efforts to keep it correct, based on the latest data available to us, you can ask us to amend data that is incorrect or is not complete.
Right to limit data use: In some situations, you can ask us to limit the use of your data.
Right to portability: You can ask to share your data with another party when we use it because you have given us consent or when your data is used for the performance of a contract, and sharing your data does not affect the rights of others.
Right to object: You can object to our use of your data, when we use it based on our legitimate interests or those of a third party. If this happens, we will not use your data, unless we can show legitimate reasons and an overriding interest for its use, or for the exercise or defence of legal claims.
Right of access: You may ask us to give you a copy of the data that we hold about you. We will give you a copy of your data if you request it, once we have checked your identity (ID checks will vary based on the data we hold about you).
Right to complain: You can file a complaint with the ICO (Information Commissioner’s Office), the United Kingdom's data protection authority. However, we’d prefer it if you first contact us to try and let us try to solve your problem – you can find our contact details below.
We have one month to complete a rights request, which can be increased for certain reasons where the law allows. If you want to use one of your data rights, please email us at firstname.lastname@example.org or contact us using the address below.
When you visit our Facebook page, Facebook gets the data you create as you engage with our content. For this data, Facebook Ireland and we act as joint controllers under these terms.
Some of our tools are provided by third party suppliers. We do not retain any of your data as part of your switch through these third party comparison and switching tools.
You can find details of the third party suppliers used to provide these services below.
You can find details of the third party suppliers used to provide these services below.Product search and eligibility check providers
Our mortgage advice service is provided by London & Country Mortgages Ltd. London & Country Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (143002). Registered Office: Beazer House, Lower Bristol Road, Bath, BA2 3BA (Company number 1988608). By using our mortgage advice service, you agree to London & Country Mortgages Ltd's Privacy Statement and Terms of Business.
Address: Privacy Team, Money.co.uk, The Cooperage, 5 Copper Row, London, SE1 2LH.
We hope that we will be able to resolve any questions or concerns you have. However, you may at any time raise your issue with the UK Information Commissioner.
Last updated: 29 September 2023