1. About us
MoneySavingExpert.com Limited is a registered data controller under the Data Protection Act 1998 in relation to the processing of any personal information in connection with our services.
If you have any queries relating to our use of your personal information or any other related data protection questions, please contact our Data Protection Officer at firstname.lastname@example.org.
2. The Information we collect and how we use it
2.1 When you access the site
Except in the limited circumstances mentioned in this section 2, we do not collect your personal information when you browse our Site.
2.1.1 Martin's Money Tips
We collect your e-mail address when you register to receive Martin's Money Tips email. We usually send our email weekly, but on occasion we may send a “special” edition. We only send these special editions when we have something really important to share with you and it doesn’t happen very often.
We may use your email address in accordance with section 2.3 below. If you wish to stop receiving Martin's Money Tips, you can do so at any time by entering your email address and clicking the 'stop it' button on this page: www.moneysavingexpert.com/tips.
We collect your e-mail and IP addresses if you register as a participant in our Forum. We use: (i) your email address to send you your password to enable you to log into our Forum or to send you email notices if you have elected to receive them on this page; (ii) your IP address for admin and troubleshooting purposes; (iii) your email and IP addresses in accordance with section 2.3 below. When you register, you can choose whether to permit your email address to be viewable by other users of the Forum. If you complete the profile facility in our Forum, it will be viewable by other users.
We don’t monitor our Forum or any of the communications between our users (eg, private messaging). However, we may record and use particular communications that are posted in connection with any investigation of any possible misuse of the Forum or any other communication systems that we operate.
2.1.3 Product Application Forms
We may collect personal information from you when you request certain products via forms on our Site. If we need to pass your data to a third party in order to meet your request, we will make it clear at the time that you submit your details. In accordance with section 6, we strongly recommend that you read the privacy policies of those third parties. Note that we may use the information you submit in accordance with section 2.3 below.
2.2 When you interact with our personalised tools
In order for you to interact with our personalised tools, including BudgetBrain, Cheap Energy Club, Eligibility tools and any other personalised tools that we may launch from time to time (“MSE Personalised Tools”) we need to collect certain personal information from you. We may use or share your details with our third party partners: (i) for the purpose of enabling your interaction with MSE Personalised Tools; and (ii) in accordance with section 2.3 below. Under no circumstances will those third parties be permitted to use your details for their own marketing purposes.
We collect your email address if you register to save your budget(s) on BudgetBrain. We use this address as described in section 2.2 above and to send you your password to enable you to log into budgetbrain.com and view and amend your budget(s)
2.2.2 Cheap Energy Club
We collect your name, home address, email address, energy tariff and energy usage details if you register with Cheap Energy Club.
We will use this information as described in section 2.2 above and:
To provide you with energy tariff comparisons (which will involve regular periodic searches using this information against current prevailing energy tariffs for as long as you are signed up to Cheap Energy Club alerts);
To alert you to: (i) energy deals which meet your chosen savings trigger; (ii) occasional energy consumer news; and (iii) similar MSE clubs which we think you may be interested in;
In connection with an application via Cheap Energy Club, to switch your energy provider (including, where applicable, in connection with cashback due to you under the switch);
To communicate with you at your request (eg, to reset your password) and enable your details to be moved across our tools (with your express permission) in order to pre-populate fields and improve your experience on our site.
All information entered on Cheap Energy Club may be deleted by you at any time by logging into your Cheap Energy Club account and clicking ‘leave Energy Club’. MoneySupermarket.com (“MSM”) provides the Cheap Energy Club comparison service, handles all energy provider switches, and processes all cashback due in connection with switches. MSM will have access to your details solely to allow MSM to carry out the energy tariff comparisons you have requested, carry out any energy provider switches you have requested, and/or process your cashback payment (where applicable). Telephone calls that you make to the Cheap Energy Club customer services helpline may be staffed by MSM customer service staff and may be monitored and/or recorded. MoneySavingExpert.com Limited is the data controller in connection with all personal details passed or submitted to MSM in connection with Cheap Energy Club.
We collect your name, date of birth, address, post code, email address and certain details about your personal circumstances if you choose to interact with our Eligibility tools. We operate these tools in conjunction with HD Decisions Limited (“HD”) who partner with the following UK credit reference agencies: Callcredit Limited ("Callcredit"), Equifax Limited (“Equifax”) and Experian Ltd (“Experian”) from time to time. We will use the information you submit as described in section 2.2 above and to:
Enable your interaction with the tool. This includes generating a credit report which will be used by HD to match against the providers’ own lending criteria. We will then use HD’s information to let you know your percentage chances of successfully obtaining a credit card or loan. Note that your credit report will not be provided to you directly and we will not receive it either. Any information that you submit in your interaction with our Eligibility tools will be controlled by us and by HD in accordance with the Data Protection Act 1998;
Communicate with you at your request and enable your details to be moved across our tools (with your express permission) in order to pre-populate fields and improve your experience on our Site.
2.3: We may use the information referred to in this section 2 to generate aggregated, anonymised data for the purposes of internal reporting, insight and analysis, enabling us to improve our Site and the services we offer. Where necessary this exercise may be carried out on our behalf by a third party – see section 3 below.
3. Disclosure of the information we collect
The personal information you enter when registering on our Site or that we collect when you use our Site is confidential and except in the limited circumstances mentioned below, we will not disclose it to any third party.
We may disclose the information described at section 2 to a third party in the following circumstances:
If required or permitted to do so by law; and/or
If required to do so by any court, the Financial Conduct Authority or any other applicable regulatory, compliance, Governmental or law enforcement agency; and/or
If necessary in connection with legal proceedings or potential legal proceedings; and/or
In line with our own Terms and Conditions of Use (in particular Clause 8.10 regarding reporting offending Forum members to their ISP or to the authorities if their actions appear to amount to a crime); and/or
To our carefully chosen third party partners: (i) for the purposes of enabling your interaction with MSE Personalised Tools; and/or (ii) as described in section 2.3 above. Under no circumstances will those third parties be permitted to use your details for their own marketing purposes. For the avoidance of doubt, where MoneySuperMarket.com is our chosen third party partner, it shall (in accordance with the Editorial Code) be restricted from using your personal information in the same way as any other partner.
4. Subject Access Requests
Under the Data Protection Act you have the right to request a copy of the personal information we hold about you and to have any inaccuracies corrected. At our discretion, we may charge £10 for information requests and require you to prove your identity with 2 pieces of approved identification. We will use reasonable efforts to supply, correct or delete personal information about you on our files.
Please address requests and questions about this to the Data Protection Officer at email@example.com .
7. Security Policy
Keeping information about you secure is very important to us so we store and process your personal information in accordance with the high standards required under the Data Protection Act 1998. From time to time and for operational reasons the personal information we collect from you may be transferred to and stored in countries outside of the European Economic Area (“EEA”). Your information may also be processed by some of our service providers who operate outside the EEA. Where this happens we will ensure that your personal information is kept securely and only processed in accordance with the requirements set out in the Data Protection Act 1998.
You may complete a registration process when you sign up to use parts of our website. This may include the creation of a username, password and/or other identification information. Any such details should be kept confidential by you and should not be disclosed to or shared with anyone. Where you do disclose any of these details, you are solely responsible for all activities undertaken on our website where they are used. To protect your account, we ask you to choose a strong password to access your data on our Site. A strong password should include a mixture of letters and numbers. Your password can only be reset with access to the email address registered in our system.
We do our best to keep the information you disclose to us secure. However, we can’t guarantee its security. By using our Site you accept the inherent risks of providing information online and will not hold us responsible for any breach of security.
Effective as of: 7 October 2014