Dot Zinc Limited ("money.co.uk", "we" or "us") is committed to protecting and respecting your privacy.

This policy explains how we use any personal information that you provide to us through our website. Please read it carefully. We may change this policy. We will post any changes on this page, so please check back frequently.

For the purposes of data protection law, the controller is Dot Zinc Limited of The Cooperage, 5 Copper Row, London SE1 2LH. money.co.uk is part of the ZPG Limited group of companies, comprising ZPG Limited and its subsidiaries (the "ZPG Companies").

Our Data Protection Officer is Michael Haynes. You can contact him at dpo@zpg.co.uk or via our postal address below. Please mark the envelope 'Data Protection Officer'.

Information we collect from you

We may collect and process the following information about you:

Information you provide to us

You may provide us with information in several ways, including by filling in forms on our website or by corresponding with us by phone and email. This includes information you provide when you register with us, sign up to receive our newsletters, conduct a product search on our website, enter any competition, promotion or survey or provide feedback on our services.

The personal information that you provide may include your name, address, email address, phone number, financial information and other information about you to enable us to provide you with our product search and other services.

Information we collect about you

When you use our website, we automatically collect information about your device, including your IP address, information about your visit (including how you got to our websites) and how you use our services. We may combine this information with other information you have provided to us or which we have received from other sources.

Information we receive from other sources

If you use any of the other websites or services provided by the ZPG Companies, we may receive information about you or your device in relation to that use, including your IP address, information about your visits how you use the services of the ZPG Companies.

We work closely with third parties (for example, business partners, advertising networks, analytics providers and search information providers) and may receive information about you from them. This could include socio-demographic information and information about your likely interests based on your previous web browsing and purchases. We may combine this information with other information you have provided to us or which we collected about you.

How we use your personal information

We use your personal information for the following purposes:

Providing our services to you and fulfilling your requests

  • Providing you with the information, products and services you request from us or another ZPG Company (including providing you with product search and advice services).

  • Administering promotions or competitions that you enter with us or another ZPG Company.

  • Allowing you to participate in our interactive features when you choose to do so.

Marketing and advertising

  • Providing you and others with information about goods and services that we, other ZPG Companies or third parties offer that may interest you or them, which may be based on inferences about your or their likely interests based on your activity on websites operated by ZPG Companies or third parties.

  • Customising or enhancing your experience of our services, which may use inferences about your likely interests based on your activity on websites operated by ZPG Companies or third parties.

  • Delivering relevant advertising to you on websites operated by ZPG Companies or third parties or in direct communications from us, which may use inferences about your likely interests based on your activity on websites operated by ZPG Companies or third parties.

  • Measuring and understanding the effectiveness of advertising we serve to you and others.

Service improvement and account management

  • Ensuring that our content is presented in the most effective manner for you and your device.

  • Administering our website and for internal business administration (for example, troubleshooting, data analysis, testing, research, statistical and survey purposes).

  • Protecting our interests and those of third parties and as part of our efforts to keep our services safe and secure.

  • Managing your preferences (for example, your subscription to our newsletter) and account with us.

Legal basis for processing

Our legal basis for processing your personal information for the purposes described above will typically be one of the following:

Contract

It is necessary for us to process your personal information to perform a contract to which you are a party, or to take steps at your request prior to you entering into a contract.

Consent

You have consented to us using your personal information for this purpose (for example, when you create an account with us, agree to receive marketing emails from us or create an alert). You can withdraw your consent at any time by deleting the information from your account or updating your marketing preferences.

Legitimate interests

It is in our legitimate interests to use your personal information to operate, improve and promote our services (for example, when we customise your experience of our services or use your information for analytics purposes) and to protect our business. Sometimes, we may process your personal information when it is in the legitimate interests of another company, such as another ZPG Company.

Legal obligations

It is necessary for us to use your personal information for us or another ZPG Company to comply with a legal obligation.

Sharing your personal information

We share IT infrastructure with other ZPG Companies, and so we may share your personal information with those ZPG Companies to help store your data efficiently and securely. Other ZPG Companies may access your personal information to help provide you with services that you request from those ZPG Companies (for example, to help you manage your home) and to provide you with relevant recommendations of other ZPG services and products. These recommendations may use inferences about your interests based on your activity on our website and on other websites and apps operated by other ZPG Companies.

We may also share your personal information with third parties in the following circumstances:

Product suppliers and brokers: to help you find and buy our partners' products and services

We provide your personal information to the brokers and suppliers whose products and services are listed on our website to help you find and buy their products and services. When you buy products or services from these suppliers, their own privacy policies will apply to how they use your personal information. You can find these privacy policies on their websites and you should check that you are happy with them before completing your transaction.

We use some third parties to perform searches on our websites for quotes and to provide eligibility checkers for some financial products. They will use your personal information in accordance with their own privacy policies. Details of these third parties and their privacy policies are set out below.

The eligibility checkers on our website will perform a soft credit search before providing you with an indication of your eligibility for a product. These searches may be recorded by credit reference agencies but will not affect your credit rating. For more information on how these searches work, read our guide.

Our service providers: to help us run our business and perform services you request

We may provide your personal information to our business partners, suppliers and subcontractors who provide services to us or where necessary to perform a service that you have requested.

Advertisers and advertising networks: to serve relevant adverts to you and others

We may provide your personal information to our partner advertisers and advertising networks that require that information to select and serve relevant adverts to you and others.

Analytics and search engine providers: to help us improve our services

We may provide information about your visit to analytics and search engine providers to help us improve and optimise our services. We generally only share this information in a form that does not directly identify you.

We may also share your personal information with third parties for the following reasons:

If we sell or buy any business or assets

If we sell or buy any business or assets, we may disclose your personal information to the prospective seller or buyer of that business or those assets, along with its professional advisers. If money.co.uk (or substantially all of its assets) is acquired, personal information held by it about its users will be one of the transferred assets.

To obtain professional advice

We may disclose your personal information to obtain professional advice (for example, from lawyers or financial advisors).

To comply with a legal obligation

We may disclose your personal information if required to do so by law or in response to a request from law enforcement or another regulatory authority. We may disclose your personal information to enforce our agreements with you or to protect the rights, property or safety of money.co.uk, its users or others. This includes sharing personal information with other organisations for fraud prevention purposes.

Storing your personal information

We may transfer, store or process your personal information outside of the European Economic Area ("EEA"). The laws in some countries may not provide as much legal protection for your personal information as in the EEA.

By submitting your personal information, you agree to this transfer, storing or processing. Where we use service providers outside the EEA, we rely on approved data transfer mechanisms (for example, the EU Standard Contractual Clauses and the EU-US Privacy Shield) to ensure that your personal information is adequately safeguarded in the recipient country.

Unfortunately, transmission of information over the internet is not completely secure. We will do our best to protect your personal information, but we cannot guarantee its security and any transmission is at your own risk. Once we have received your personal information, we will use strict procedures and security features to try to prevent unauthorised access.

We keep your personal information for as long as is necessary for the purposes for which it is processed. These periods vary depending on the nature of the information and your interactions with us. You can delete the information that money.co.uk holds about you by contacting us using the details below.

Cookies

We use cookies and other similar technologies to distinguish you from other users of our websites and apps (including when you browse third party websites). This helps us to provide you with a good experience when you use our services (for example, to remember your login details and improve our services). We also use cookies and similar technologies to show you more personalised advertising, including money.co.uk ads on other websites. You may adjust the settings on your browser to refuse cookies but some of our services may not work if you do so. For detailed information on the cookies we use and why we use them, please read our Cookie Policy.

Opting out of collection of information by third party advertisers

Our third party advertisers and advertising network providers ("Ad Providers") may provide you with ads on our websites and apps or on other websites. To make those ads more relevant and help measure their effectiveness, the Ad Providers may use cookies and similar technologies. They record your activity (including pages visited) and estimate what information interests you most. They use this information in accordance with their own privacy policies. For a link to each of those policies and for information about how to opt out, please read our Cookie Policy.

Your rights

You have the right to ask us not to process your personal information for marketing purposes. You can do this at any time by updating your email preferences by clicking on the "unsubscribe" link in any marketing email we send you or by contacting us using the details below.

Data protection law gives you the right to access your personal information, to object to the use of your personal information for certain purposes, and the right to erase, restrict or receive a machine-readable copy of your personal information. To access, update and delete the personal information we hold about you, please email privacy@money.co.uk or contact us using the address below.

We will handle your request in accordance with the law. This means there may be legal reasons why we cannot fulfil all requests.

Links to third party websites

Our websites and apps may contain links to other websites. This privacy policy does not apply to those other websites and we do not accept liability for the content of any other website. Please check the privacy policy of any other website before submitting any personal information to it.

money.co.uk product search and eligibility check providers

Some of our life insurance, income protection insurance and critical illness insurance comparison services are provided by ActiveQuote Ltd which is authorised and regulated by the Financial Conduct Authority (501109). Registered Office: Cambrian Buildings, Mount Stuart Square, Cardiff CF10 5FL. By using the life insurance, income protection insurance or critical illness insurance comparison services that are indicated as provided by ActiveQuote, you agree to ActiveQuote's Terms and Conditions and Privacy Policy.

Some of our life insurance, income protection insurance and health insurance comparison services are provided by Assured Futures Limited which is authorised and regulated by the Financial Conduct Authority (176392). Registered Office: Ellenborough House, Wellington Street, Cheltenham, Gloucestershire, GL50 1AP. By using the life insurance, income protection insurance or health insurance comparison services that are indicated as provided by Assured Futures Limited, you agree to Assured Futures' Terms and Conditions and Privacy Policy.

Our business electricity and business gas comparison services are provided by Love Energy Savings.com Limited. Registered Office: Unit 2, Springfield Court, Summerfield Road, Bolton, Greater Manchester, BL3 2NT. By using the business electricity or business gas comparison services, you agree to Love Energy Savings.com Limited's Terms and Conditions and Privacy Policy.

Our car, taxi, travel and home insurance comparison services are provided by Seopa Limited (t/a Quotezone) which is authorised and regulated by the Financial Conduct Authority (313860). Registered Office: 8-10 Amelia Street, Belfast, County Antrim, BT2 7GS. By using the car, taxi, travel or home insurance comparison services, you agree to Quotezone's Terms and Conditions and Privacy Policy.

Our broadband comparison service is provided by uSwitch Limited, which is authorised and regulated by the Financial Conduct Authority (312850). uSwitch Limited is a credit broker, not a lender, for consumer credit products. Registered Office: The Cooperage, 5 Copper Row, London SE1 2LH. By using the broadband comparison service, you agree to uSwitch Limited's Terms of Use and Privacy Policy.

Our motorbike and van insurance comparison services are provided by Vast Visibility Limited which is authorised and regulated by the Financial Conduct Authority (566973). Registered Office: 8 Princes Parade, Liverpool, Merseyside, L31DL. By using the motorbike and van insurance comparison service, you agree to Vast Visibility's terms and conditions and privacy policy (available on the Vast Visibility website).

Our eligibility checker service is provided by HD Decisions (part of Experian Limited) which is authorised and regulated by the Financial Conduct Authority (738097). Registered office: The Sir John Peace Building, Experian Way, Ng2 Business Park, Nottingham, NG80 1ZZ. By using the eligibility checker service, you agree to HD Decisions' terms, conditions and privacy policy.

Contact us

If you have questions about this privacy policy or the way in which money.co.uk processes your personal information, you can contact us using the details below:

Post: Data protection officer, Dot Zinc Limited, The Cooperage, 5 Copper Row, London SE1 2LH

Email: privacy@money.co.uk

We hope that we will be able to resolve any questions or concerns you have. However, you may at any time raise your concern with the UK Information Commissioner at:

Post: Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF

Last updated: 17 May 2018