This privacy policy applies between you, the User of this Website, and MoneyFit Ltd. a company incorporated in England and Wales with company registration number 15198560 and whose registered office is at 86-90, Paul Street, London, EC2A 4NE. MoneyFit Ltd. takes the privacy of your information very seriously. This privacy policy applies to our use of any and all data collected by us or provided by you in relation to your use of the Website.

Purpose of this Privacy Policy

This notice is provided within the context of the requirements of Article 13 & 14 of UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018 (DPA). This notice sets out how MoneyFit Ltd. will use your personal data as part of our legal obligations with regards to protection of your personal data.

Scope of this Privacy Policy

This privacy policy applies only to the actions of MoneyFit Ltd. and users with respect to this website. It does not extend to any websites that can be accessed from this website including, but not limited to, any links we may provide to other websites including social media websites. We encourage you to read the privacy notices of the other websites you visit from this website.

For purposes of the applicable Data Protection Laws, MoneyFit Ltd. is the "data controller". This means that MoneyFit Ltd. determines the purposes for which, and the manner in which, your data is processed.

What is personal data?

As defined by the Information Commissioner’s Office (see www.ico.org.uk ) Personal data is any information relating to an identified or identifiable natural living person, otherwise known as a ‘data subject’. A data subject is someone who can be recognised, directly or indirectly, by information such as a name, an identification number, location data, an online identifier, or data relating to their physical, physiological, genetic, mental, economic, cultural, or social identity. These types of identifying information are known as ‘personal data’. Data protection law applies to the processing of personal data, including its collection, use and storage.

What is the legal basis for processing my data?

To process your personal data, our legal reason for collecting or processing this data is: Article 6(1)

“you have freely given your consent – it will be clear to you what you are consenting to and how you can withdraw your consent”

What personal data do we collect?

All of the personal information we collect and process is provided to us directly by you. The data that we collect includes:

Your first name (optional, and if provided by you), your age range (optional, and if provided by you), and your answers to the Money Personality Quiz and your email address if signing up to MoneyFit News.

We also collect information on how you use this website. This includes analytical cookies used to understand how users interact with this website.

How will we use your data?

We use your personal data to enable us to provide you with the best possible experience and to provide anonymous summary user information on attitude to money quizzes completed, attitude to money types and areas of the MoneyFit website site visited.  Specifically, data may be used by us for the following reasons:

• Internal record keeping
• Improvement of our products / services
• Transmission to you by email of marketing materials and product and service offerings that may be of interest to you
• Contact for market research purposes which may be done using email 
• Consent to contact you

For the transmission to you by email of marketing materials and product and service offerings that may be of interest to you, we will need your explicit consent, that is, you need to take positive and affirmative action when consenting by, for example, checking a tick box that we'll provide. This is called positive opt-in. We will always make it clear how you can opt-out of receiving messages from us even after you have opted in.

You have the right to withdraw consent at any time and to submit a formal complaint to www.ico.org.uk if you are not happy with how this privacy policy is applied. To find out how to withdraw your consent, see the section headed "Your rights" below.

Who will my data be shared with?

Your privacy and data is very important to us. MoneyFit Ltd. will never sell or gain any benefit from passing on your data to any business, charity, organisation or individual. We will only ever pass on your data to third party organisations who require it to process any requests that you have made. We will never sell your data or provide it to another organisation for the purpose of marketing, sales or for any other purpose without your written consent. We may share your data with our contracted suppliers who are managing this website and may need to process it to deliver the service we have asked them to provide.

Keeping Your data secure

We use technical and organisational measures to safeguard your data, for example, we store your data on secure servers accessible by user name and password access, and use security software to protect data from unauthorised access.

If you suspect any misuse or loss or unauthorised access to your Data, please let us know immediately by contacting us via this email: hello@money-fit.co.uk.

If you want detailed information from Get Safe Online on how to protect your information and your computers and devices against fraud, identity theft, viruses and many other online problems, please visit www.getsafeonline.org

Get Safe Online is supported by HM Government and leading businesses.

Will my data be used for automated decision-making or profiling?

We will not use your data for any automated decision-making or profiling.

How long will my data be held for?

Unless a longer retention period is required or permitted by law, we will only hold your data on our systems for the period necessary to fulfil the purposes outlined in this privacy policy or until you request that the data be deleted.

Even if we delete your data, it may persist on backup or archival media for legal, tax or regulatory purposes.

Your rights

You have rights over your personal data under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018 (DPA 2018). The Information Commissioner’s Office (ICO) is the supervisory authority for data protection legislation, and maintains a full explanation of these rights on their website. Read these explanations here.

MoneyFit Ltd. will ensure that we uphold your rights when processing your personal data.

You have the following rights in relation to your data:

• Right to access - the right to request (i) copies of the information we hold about you at any time, or (ii) that we modify, update or delete such information. If we provide you with access to the information we hold about you, we will not charge you for this, unless your request is "manifestly unfounded or excessive." Where we are legally permitted to do so, we may refuse your request. If we refuse your request, we will tell you the reasons why.
• Right to correct - the right to have your data rectified if it is inaccurate or incomplete.
• Right to erase - the right to request that we delete or remove your data from our systems. Right to restrict our use of your data - the right to "block" us from using your data or limit the way in which we can use it.
• Right to data portability - the right to request that we move, copy or transfer your data. 
• Right to object - the right to object to our use of your data including where we use it for our legitimate interests. To make enquiries, exercise any of your rights set out above, or withdraw your consent to the processing of your Data please contact us via this email address: hello@moneyfit.co.uk and we will respond within 48 hours.

Transfers outside the United Kingdom and European Economic Area

Data which we collect from you may be stored and processed in and transferred to countries outside of the UK and European Economic Area (EEA). For example, this could occur if our servers are located in a country outside the UK or EEA or one of our service providers is situated in a country outside the UK or EEA.

We will only transfer data outside the UK or EEA where it is compliant with data protection legislation and the means of transfer provides adequate safeguards in relation to your data, e.g. by way of data transfer agreement, incorporating the current standard contractual clauses adopted by the European Commission.

To ensure that your Data receives an adequate level of protection, we have put in place appropriate safeguards and procedures with the third parties we share your data with. This ensures your data is treated by those third parties in a way that is consistent with the Data Protection Laws.

Changes of business ownership and control

MoneyFit Ltd. may, from time to time, expand or reduce our business and this may involve the sale and/or the transfer of control of all or part of MoneyFit Ltd. Data provided by users will, where it is relevant to any part of our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this privacy policy, be permitted to use the Data for the purposes for which it was originally supplied to us.

We may also disclose data to a prospective purchaser of our business or any part of it.

In the above instances, we will take steps with the aim of ensuring your privacy is protected.

How we use cookies

Our cookie policy details how we use cookies on this website.

How do I complain?

If you’re unhappy with the way we have handled your personal data and want to make a complaint, please write to the Data Controller via the information above (either direct or via email).

Data Controllers Title: Francis Goss, MD

Data Controllers Address: c/o MoneyFit Ltd. 86-90, Paul Street, London, EC2A 4NE

Data Controllers Email: fgoss@money-fit.co.uk 

How to contact the Information Commissioner’s Office

If you believe that your personal data has been misused or mishandled, you may make a complaint to the Information Commissioner, who is an independent regulator. You may also contact them to seek independent advice about data protection, privacy and data sharing.

• Address:
  Information Commissioner’s Office
  Wycliffe House,
  Water Lane,
  Wilmslow,
  Cheshire,
  SK9 5AF
• Website: www.ico.org.uk
• Telephone: 0303 123 1113
• Email: casework@ico.org.uk

Any complaint to the Information Commissioner is without prejudice to your right to seek redress through the courts.

Changes to our privacy notice

We may make changes to this privacy policy. In that case, the ‘last updated’ date at the bottom of this page will also change. Any changes to this privacy policy will apply to you and your data immediately. If these changes affect how your personal data is processed, MoneyFit Ltd. will take reasonable steps to let you know.

This notice was last updated on 1st March 2024