Privacy and Cookie Policy


1. Introduction

MoneyMattersOnline ("We", “Us”) are committed to protecting and respecting your privacy.

This Privacy and Cookie Policy explains in detail the types of personal data We may collect about you when you interact with Us. It also explains how We’ll store and handle that data and keep it safe.

We hope the following sections will answer any questions you have but if not, please do get in touch with Us.

It’s likely that We’ll need to update this Privacy and Cookie Policy from time to time, therefore please come back and check it whenever you wish.


2. Who is MoneyMattersOnline

Money Matters online is a trading name of Paul Griffin. We are a Wills & Estate Planning site and in addition to providing a Free Will Service, you can use our service to set up other Estate planning and Financial services Regulated by the FCA via the Partner Business Relationships we have a commercial relationship with.

This policy (together with our Terms and Conditions and any other documents referred to on it) sets out the basis on which any personal data We collect from you, or that you provide to Us, will be processed by Us. Please read the following carefully to understand our views and practices regarding your personal data and how We will treat it.

For the purpose of the Data Protection Act (the Act), the data controller is Paul Griffin our registered office address is: 35 Southmere Drive, Bradford, BD7 4EA.


The law on data protection sets out a number of different reasons for which a company may collect and process your personal data, including:

Consent

In specific situations, We can collect and process your data with your consent.

For example, when you click Yes to say that We can contact you.

When collecting your personal data, We’ll always make clear to you which data is necessary in connection with a particular service.

Contractual obligations

In certain circumstances, We need your personal data to comply with our contractual obligations.

For example, if you use our service to set up a Will or Trust We’ll collect personal data and information from you to set up your Will or trust and provide this information to the relevant third parties necessarily required to know such information (eg land Registry).

Legitimate interest

In specific situations, We require your data to pursue our legitimate interests in a way which might reasonably be expected as part of running our business and which does not materially impact your rights, freedom or interests.

For example, We will use your enquiry history to send you information about our serviocesquotes for up to 6 months after you first contact us.

We also record the age of customers and the device type customers use to access our website, to identify trends and ensure We can meet the needs and requirements of our customers to the optimum level.


4. When do We collect your personal data?


5. What sort of personal data do We collect


6. IP addresses

We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration, fraud prevention purposes and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns and does not identify any individual.


7. Other Information We may collect from you


8. Information about our use of cookies

Our Website uses cookies to distinguish you from other users of our Website. This helps Us to provide you with a good experience when you browse our Website and allows Us to improve our site.

A cookie is a small file of letters and numbers that We store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer's hard drive.

The cookies We use are "analytical" cookies. They allow Us to recognise and count the number of visitors and to see how visitors move around the site when they are Using it. This helps Us to improve the way our Website works, for example, by ensuring that users are finding what they are looking for easily.

We use Google’s Google Analytics, which is a free Web analytics tool to help Us understand how visitors engage with our Website. Google Analytics uses cookies to track visitor interactions. The cookies are used to store information, such as timing of visits, whether the visitor has been to the Website before, and what Website referred the visitor to our Website. Google Analytics collects information anonymously, and reports Website trends without identifying individual visitors. Google Analytics provides Us with a variety of reports about how visitors interact with our Website, so We can improve our Website and access to our Website.

Please note that our advertisers may also use cookies, over which We have no control.

You block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.

Except for essential cookies, all cookies will expire after 2 years.


9. How and why do We use your personal data?

We use information held about you in the following ways:

If you are a new customer, and where We permit any affiliated Business Partner to use your data, you consent to being contacted by electronic means by Us or that affiliated business partner.

We do not disclose information about identifiable individuals to our advertisers, but We may provide them with aggregate anonymous information about our users (for example, We may inform them that 500 men aged under 60 have clicked on their advertisement on any given day). We may also use such aggregate anonymous information to help advertisers reach the kind of audience they want to target (for example, women in SW1).

We want to give you the best possible customer experience. We use the information you provide Us to provide you with accurate information about Wills and estate Planning / associated Financial services Products offered by our affiliated Business Partner Firms, so you can compare. We always ask your age or date of birth, so We can provide you with services relevant to your age.

Where you have provided consent, We may contact you by phone and / or email to provide you information about your Estate Planning Services and answer any questions you may have. We will provide you information about your Estate Planning Services by email and phone for up to 6 months.

When you use our service to set up a Free Will We need to collect your personal data to enable your Will to be set up. We only ask for personal information that is required to put together a detailed and competently structured will.

You can withdraw your consent for Us to contact you at any time. Should you wish to withdraw your consent please let Us know, by emailing paul@moenymattersonline.co.uk.


10. How We protect your personal data

We know how much data security matters to all our customers. With this in mind, We will treat your data with the utmost care and take all appropriate steps to protect it.

We secure access to all transactional areas of our Websites and apps Using ‘https’ technology.

Access to your personal data is password-protected, and sensitive data is secured by SSL encryption.

We regularly monitor our system for possible vulnerabilities and attacks, and We may carry out penetration testing to identify ways to further strengthen security.


11. How long will We keep your personal data?

Whenever We collect or process your personal data, We’ll only keep it for as long as is necessary for the purpose for which it was collected.

At the end of that retention period, your data will either be deleted completely or anonymised, for example by aggregation with other data so that it can be used in a non-identifiable way for statistical analysis and business planning; such as your age and device type

Some examples of customer data retention periods:

Free Will

When you set up a Will Using our service, We’ll keep the personal data you given Us indefinitely, so We can comply with our legal and contractual obligations. We do not keep your payment details, If you have paid for all or part of your funeral plan by a credit or debit card We do not keep this information on any database.

Estate Planning

If you have used our service to compare funeral consider estate plannings and have not set up a Free will or other estate Planning Service Using our or any afiliated business partners services We will delete your personal data within 7 months.


12. Who do We share your personal data with?

Other than the events described in this clause and in clause 14 We do not share your data with third parties.

When you use our service to set up a free will or other Estate Planning Service We will provide any third party company with your personal data that is required for the effcient processing of the service / estate planning effected to be set up.

When you have spoken to Us about your Estate Planning / Financial Services Requirements and have requested to receive information We will provide your name, email address, telephone number and age or date of birth to the company that can provide you with information about that service. We will tell you who the company is and will only provide the company with your personal information if you have provided your consent for Us to do this.

For further information please contact our Data Protection Officer by post or email to paul@moneymattersonline.co.uk


13. Where your personal data may be processed

The data that We collect from you may be transferred to, and stored at, a destination outside the European Economic Area ("EEA”). By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

We only operate in the United Kingdom and the Financial Services Companies that We work with are all based in the United Kingdom. The reason why your data maybe be transferred to, and stored at, a destination outside the EEA is because We and other organisation may use cloud-based storage which may use servers located outside of the United Kingdom or outside of the EEA.

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


14. Disclosure of your Information

We may disclose your personal information to any member of our group, which means our Business partner companies

We may disclose your personal information to third parties:


15. What are your rights over your personal data?

An overview of your different rights

You have the right to request:

You can contact Us to request to exercise these rights at any time as follows:

To ask for your information please contact The Data Protection Officer, MoneyMattersOnline, 35 southmere drive, Bradford, BD7 4EA or email paul@moneymattersonline.co.uk. To ask for your information to be amended please contact paul@moneymattersonline.co.uk.

If We choose not to action your request, We will explain to you the reasons for our refusal.

Your right to withdraw consent

Whenever you have given Us your consent to use your personal data, you have the right to change your mind at any time and withdraw that consent.

Where We rely on our legitimate interest

In cases where We are processing your personal data on the basis of our legitimate interest, you can ask Us to stop for reasons connected to your individual situation.

We must then do so unless We believe We have a legitimate overriding reason to continue processing your personal data.

Direct marketing

You have the right to stop the use of your personal data for direct marketing activity through all channels, or selected channels. We must always comply with your request.

Checking your identity

To protect the confidentiality of your information, We will ask you to verify your identity before proceeding with any request you make under this Privacy Notice.

If you have authorised a third party to submit a request on your behalf, We will ask them to prove they have your permission to act.

Our site may, from time to time, contain links to and from the Websites of our partner networks, advertisers, affiliates and Websites that may or may not be of interest to you. If you follow a link to any of these Websites, please note that these Websites have their own privacy policies and that We do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these Websites.


. How can you stop the use of your personal data for direct marketing?

We will only contact you by phone and / or email about your Free Will and/or other Estate Planning Products. If you wish to withdraw your consent for Us to contact you, you can do so in writing to paul@moneymattersonline.co.uk.

When We send you an email, about your funeral plan quotes you can opt out of receiving future emails by replying ‘unsubscribe’.


17. Contacting the Regulator

If you feel that your data has not been handled correctly, or you are unhappy with our response to any requests you have made to Us regarding the use of your personal data, you have the right to lodge a complaint with the Information Commissioner’s Office.

You can contact them by calling 0303 123 1113.

Or go online to www.ico.org.uk/concerns (opens in a new window; please note We can't be responsible for the content of external Websites)


Any Questions ?

We hope this Privacy and Cookie Policy has been helpful in setting out the way We handle your personal data and your rights to control it.

If you have any questions that haven’t been covered, please contact our Data Protection Officer who will be pleased to help you:

Email Us on paul@moneymattersonline.co.uk

Data Protection Officer
Money Matters Online
35 Southmere Drive
Bradford, BD7 4EA