Privacy Policy
Your privacy on MoneySavingExpert
1. What this Privacy Notice covers
This is the Privacy Notice for the MoneySavingExpert.com website, our related apps, the tools on our website, our social media content and our Forum (the "Site").MoneySavingExpert.com Limited (referred to in this policy as "we", "us" or "our") is the "controller" under data protection laws where we're processing your personal information in relation to our content and/or Site.
We are part of MONY Group which includes MoneySupermarket.com, Quidco, Decision Technologies, Travelsupermarket.com, icelolly and Podium Solutions all of which have their own privacy notices.Where we refer to "personal information" in this Privacy Notice, we mean information which constitutes "personal data" under the UK General Data Protection Regulation (the "UK GDPR"). This can be any information that directly identifies you (such as your name or email address), but also information that identifies you indirectly or would identify you when pieced together with other information (such as your age, gender, demographic information, IP address, and cookie identifiers/other unique online identifiers).
The main purposes we collect and process your personal information are to show you relevant content and improve your experience on the Site; provide you with the Site and the other services you request from us, such as our Clubs services (together the "Services"); communicate with you; and when the law allows us to do this.To operate the MoneySaving tools on our Site we may sometimes need to share your personal information with other businesses, including other members of our Group (see section 4 below). They'll be responsible for how they process your personal information. They're discussed in section 5 of this Privacy Notice and in section 9 of our Terms.
Our Site contains external links to other websites that aren't subject to this Privacy Notice. Please do read our Terms for further information on external links, as well as the terms and conditions and Privacy Notice of any website you give your personal information to, as you'll be bound by them. We're not liable for anything that happens if you use them.
Our Privacy Notice explains:
2. Personal information we collect
The information we collect will depend on how you're using our Services and should be clear to you at the time we collect it, for example, for MSE's Money Tips email, we'll ask for an email address. If you're using one of our MSE tools (see section 3.3 for details of the MSE tools that use personal information) we may need to get a range of information, such as your name, phone number, marital status, benefit entitlements, income and bank account details. Some of the MSE Tools use technology provided by MONY Group companies as detailed in section 4 below. We may also use cookies and other similar technologies (collectively referred to as “cookies” hereafter) to collect information about your online browsing behaviour and any devices you've used to access our Site (see section 8 for more detail).Most of the personal information we collect will be directly from you when you use the Site. We will also collect some personal information from third parties that enable you to use the MSE Tools, for example if you use the Credit Club service, we will obtain information about your credit history from TransUnion (see section 3.3 for more information).
If you're providing us with another person's information we recommend you ask them to read this Privacy Notice and our Terms and confirm with them that they are happy for you to provide the personal information to us and that they understand how their personal information will be used.
3. How we collect and use your personal information
We'll only collect and use your personal information where we have a legal basis for processing as follows:
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Contract: To enter into, or perform, a contract with you. If you do not provide personal information that is necessary for a contract, we may not be able to provide our services to you.
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Legitimate interest: For our (or third parties’) legitimate interests, as long as they aren’t overridden by your interests and rights
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Consent: Your consent
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Legal obligation: To comply with our legal obligations
We collect and use your personal information to allow you to interact with the Site. This includes the following:
3.1. MSE's Money Tips email
When you register to receive MSE's Money Tips email we'll use your email address to send you MSE's Money Tips email. This is usually weekly, but on occasion we may send a special edition when we've something really important to share with you – this doesn't happen very often.We process this data on the basis of your consent. You can unsubscribe at any time.
3.2. MoneySavingExpert Account
If you choose to create an account, we'll ask you for certain personal information, such as your name and email address, and ask you to choose a password for your account. Without an account, you'll also still be able to access content from our website, but the content won't be personalised. The Account also allows you to access Credit Club (see section 3.3.2 for more detail), enhanced content on the MSE App (see section 3.3.5 for more detail), Cheap Energy Club (see 3.3.1 for more detail) and Savings Hub (see 3.3.6 for more detail). Our Forum has separate login (see section 3.4 for more detail). We process this data on the basis of our contract with you where you decide to set up an account. We also rely on legitimate interests to validate your account, ensure your account is secure and personalise your account.
3.3. MSE Tools
3.3.1. Cheap Energy Club
If you register for Cheap Energy Club, we'll ask you for certain personal information including your name, address, email address, current energy supplier and energy usage and where applicable, application information. We'll save your information to allow us to provide regular energy comparison services based on price savings as part of our comparison service and to enable you to quickly switch energy suppliers.
Cheap Energy Club's energy comparison services are provided by MONY Group companies, MoneySuperMarket.com which hosts the site, and Decision Technologies which provides the technology. We resubmit your information to perform regular background comparisons and results.
We will contact you with important information about your account with Cheap Energy Club; if you have chosen to switch your energy supplier; and/or where you have asked us to help you e.g. help logging into Cheap Energy Club.
Additionally, as part of the Cheap Energy Club service, we will keep you updated with information about your tariff, deals, savings opportunities and news related to the energy market and Cheap Energy Club.
If you choose to switch energy suppliers, MoneySuperMarket.com will collect your energy switch application information and pass it on to the energy supplier you're being switched to. We will also save your information (as detailed in this Privacy Notice). This may also include health information, which data protection laws call 'special category data', if you tell us you have additional needs as part of the Priority Service Register. We rely on your explicit consent to collect and process this 'special category data'. Where applicable, MoneySupermarket.com will also process all cashback due in connection with switches. See MoneySupermarket.com's cashback T&Cs and MoneySupermarket.com's Privacy Notice for how it looks after your personal information.
MoneySupermarket.com and Decision Technologies will only hold your personal information for so long as is reasonable in relation to providing you with energy comparison services and/or switching energy suppliers and/or in cases in which you've provided your consent (which you may withdraw at any time). See section 4 below for further details on sharing your personal information with MONY Group companies.
We carry out this processing on the basis of our contract with you if you register for Cheap Energy Club or if you choose to switch energy supplier, and consent where you agree to receive certain communications.
3.3.2. Credit Club
As part of the Credit Club service we'll ask you for certain information when you register. This will include your name, contact details and some financial related details.
We'll contact you with important information about your account with Credit Club; when there have been updates to your account e.g. an update to your Affordability Score or TransUnion Credit Report; to tell you about products that match your credit profile that may save you money; and where you have asked us to help you e.g. help logging into Credit Club.We carry out this processing on the basis of our contract with you. If you've also given us consent, we'll also contact you to let you know about consumer news, other MoneySaving tips, products and exclusives which we think you may be interested in.
If you use our MSE Credit Club Service, we provide your personal information to TransUnion, for it to provide us with your TransUnion credit score and/or credit report (as applicable) at least once per month (see also our Terms and Conditions for more information on our MSE Credit Club service). Any county court judgment information that we give to you is also provided by TransUnion. We also use TransUnion's services as part of our identity verification procedures. References to "TransUnion" in this Privacy Notice mean TransUnion International UK Limited (company number 0496832), which is part of the TransUnion Information Group. TransUnion is a credit reference agency authorised and regulated by the Financial Conduct Authority under number 737740, whose registered office is at One Park Lane, West Yorkshire, LS3 1EP. Authorisation can be checked on the Financial Services Register at www.fca.org.uk. To find out more about how TransUnion uses personal data, please visit it’s Privacy Centre | An Information & Insights Company.
Our request to TransUnion to provide your credit information will leave a footprint (also known as a 'soft' search) on your credit file. We request this 'soft' search from TransUnion on your behalf following receipt of authorisation from you during your registration with Credit Club and will continue to request this 'soft search' on an ongoing basis whilst you are still using the Credit Club service.A 'soft' credit check allows us, as part of the MSE Credit Club service, to (i) assess your financial and insurance profile; (ii) verify your identity; and/or (iii) to help prevent fraud. The credit reference agencies may keep a record of the search and you may see this recorded against your credit file, but these 'soft' credit checks have no impact on your credit rating. The data from 'soft' credit checks can be shared with lenders but cannot be used by lenders when making decisions around whether to lend to you. These 'soft' credit checks are not carried out by us but by the chosen credit reference agencies of our service providers or panel members (see section 5 for more detail).
3.3.3. Eligibility tools
We use the personal information you give when you submit an eligibility checker request (including your name, contact details and financial related details) to let you know your percentage chances of successfully obtaining a credit card or loan.
When you use our eligibility checker services a credit report will be generated by carrying out a 'soft' credit check. We do not carry out these checks. Instead, we pass your personal information to our trusted service provider HD Decisions – an Experian business (HD), Qualifi or certain members of our panel of lenders (detailed in section 5), which will generate these checks with their chosen credit reference agencies. The 'soft' credit checks will be used by HD and the other partners mentioned to match against those partners' own lending criteria. This information will be used 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.
If you give us your email address, we'll also send you a confirmation email of your results so that you've a record of them. For more details on how we share data with third parties when we conduct eligibility checks, see section 5.
We process this data on the basis of your consent where you agree to receive an optional confirmation email. We also rely on contract to provide the eligibility checker services.
3.3.4. MSE Compare+ tools
Our MSE Compare+ comparison tools include Car Insurance and Home Insurance and include a question set provided by MoneySupermarket.com.MoneySupermarket.com will collect and save your personal information to be able to return results. This may include special category data if you provide details of your medical history or criminal data if you provide details of criminal convictions as part of a car insurance quote.
MoneySupermarket.com is allowed to process special category data and criminal data under data protection legislation to arrange and/or advise on an insurance contract. If you run a quote, MoneySupermarket.com will send you an automatic email with your top quotes so that you can easily refer back to your results.
MoneySupermarket.com will not use your data for any marketing purposes unless you are already a MoneySupermarket.com customer and have given it permission to do this. See section 6 below and MoneySupermarket's Privacy Notice for further details on how your personal information is used.We do not process or save the personal information collected in the MSE Compare+ tools unless you sign up to receive an email renewal reminder from us when it is time to get car or home insurance quotes. In this case we will save your name, email address and renewal date to fulfil your request.
3.3.5. The MoneySavingExpert App
Once you've downloaded the MoneySavingExpert App you can login to your account or create an account which allows you to access enhanced tools and features to personalise and tailor your content. Without an account, you'll still be able to access the full site and most tools, as well as MSE ChatGPT to ask questions which it derives answers for by using our Site. The MSE ChatGPT should be used in accordance with our Terms which makes clear that no personal information should be shared by you or collected by us in using the MSE ChatGPT.
If you create an account you can choose to use certain additional MSE App Tools (Hot Topics, Bill Buster and the Regular Payments Detective) by connecting your bank account within your App account using a secure third party called TrueLayer (please see section 5.1.3 for further details). If you consent for us to save the results of your use of the MSE Tools and/or tools exclusive to the App, we can use these together with your account information to provide further personalised guidance and MoneySaving tips ("MSE App Enhanced Content").
We process this data on the basis of our contract with you when you create an account and our legitimate interests in ensuring the smooth running of our App.
3.3.6. MSE Savings Hub
As part of the MSE Savings Hub, if you use the Savings Picker we'll give you the option to login to your account or create an account to save your Strategy. If you register for an account, we’ll ask for your name and email address.Where you've provided consent for us to contact you, we may:
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Regularly let you know when market leading savings rates have been released;
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Let you know about news, and savings deals regarding the possibility of saving you money or market updates such as base rate changes; and
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Keep you informed of new features we introduce.
If you also proceed to open an account with Raisin via the links in the MSE Savings Hub, we will pass your personal information to streamline the account opening process with Raisin. Please read Raisin's own Privacy Notice for information about how Raisin obtains, uses, and shares your personal information.We carry out this processing on the basis of our contract with you if you register for MSE Savings Hub or an account with Raisin, and consent where you agree to receive certain communications.
3.4. Forum
We collect limited personal information to enable you to post on our Forum: your email and IP address(es), username, password and Forum posts. We use your email address to send you your password to enable you to log in to our Forum and to send you emails if you've chosen to sign up to MSE's Money Tips. We use your email address, IP address(es), username and Forum posts for admin, troubleshooting and investigatory purposes if required. As set out in the Forum rules which form part of our Terms, no personal information should be shared on our Forum (aside from your username).
We process this data on the basis of our contract with you where you decide to set up an account and our legitimate interests in ensuring our Forum operates smoothly without disruption or abuse and to enforce our Terms.
3.5. Internal reporting, insight, analysis and Site improvement
We may use personal information relating to your usage of our Site to generate for the purposes of internal reporting, insight and analytics. This may include undertaking demographic segmentation and generating profiling information to help us understand what you might be interested in. These activities enable us to improve and personalise our Site, the products we offer and search results for our Site. In processing your information for these purposes, we may use Google Analytics. See our Cookie Policy for further information. We process this data on the basis of consent when accepting cookies and our legitimate interests in improving our Site and making it better for you.
3.6. Site personalisation
We may use your personal information, such as your name and contact details, to personalise aspects of our Site and to enable your details to be moved across our tools to speed up form filling. We may also match your personal information against information that has been collected by a third party, for example, if you register for Cheap Energy Club we may match your information with usage data from the networks. We are always working to make a better Site for you and using your personal information in this way helps us to do this. It also means that if you've given us permission, any communication we send to you is appropriate for your needs.
We process this data on the basis of consent when you’ve agreed to receive personalised communications and our legitimate interests in improving our Site and making it better for you.
3.7. Contacting you
We may use your personal information to:
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Respond to any communications that you've directed at us;
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Invite you to take part in polls and other market research activities carried out by us and on our behalf. Any feedback you provide will only be used to improve our Site and will not be published. It is up to you whether you want to take part in these activities; or
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Award you a prize if you've won a competition we're running.
We process this data on the basis of consent when you take part in activities such as polls, market research and competitions and our legitimate interests in improving our Site and responding to your communications.
3.8 Legal purposes
Where obligated or permitted to do so, we may process your personal information for legal purposes, for example to prevent or detect crime; to disclose information to a court, regulator, government body or law enforcement agency; in connection with legal proceedings; to enable the sale or potential sale of our business; or to prevent fraud and money laundering, which might involve disclosure to a fraud prevention agency. We may also be required to process certain personal information about you to respond to (and verify we are able to respond to) a data subject rights request that you have submitted.We process this data on the basis of a legal obligation and/or our legitimate interests in preventing or detecting crime, protecting our business, achieving our strategic objectives and enabling the long-term commercial success of our company and assisting law enforcement, regulators and government bodies.
4. Sharing your personal information with the rest of the MONY Group
We are part of MONY Group and use a shared IT infrastructure which includes shared technologies, platforms, systems and tools and may share your personal data with other MONY Group entities. This does not affect the purposes we use your personal data for and, includes:
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To improve products and services across the Group;
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To provide customer service;
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To detect, prevent and report crime;
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To manage our shared IT infrastructure;
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To carry out marketing activities, where permitted; and
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To allow you to use an MSE Tool that uses technology provided by a Group company or as otherwise permitted under the Editorial Code, for example (i), the Cheap Energy Club comparison service is provided by MoneySupermarket and Decision Technologies and; (ii) the MSE Compare+ tools are provided by MoneySupermarket. Please read the
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MoneySuperMarket Privacy Notice and the Decision Technologies Privacy Notice.
5. Sharing your personal information with others
We may share your personal information with our technical partners, who act as independent controllers, for the purposes of providing certain services and enabling your interaction with the Site, such as your use of MSE Tools. These include:
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TransUnion International UK Limited ("TransUnion") – We operate Credit Club in conjunction with UK credit reference agency TransUnion and Qualifi Solutions ("Qualifi"). When you submit your details to Credit Club, they will be passed to TransUnion and Qualifi and we will let you know every time your TransUnion Credit Score or TransUnion Credit Report has been updated.
TransUnion may share the information it collects from us with fraud prevention agencies including Cifas, which will use it to prevent fraud and money-laundering and to verify your identity. Law enforcement agencies may access and use this information.If fraud is detected, you could be refused certain services, finance or employment. TransUnion and other organisations may access and use the information recorded by fraud prevention agencies from other countries. For further information about how your details will be used by TransUnion, please see the rest of our Privacy Notice and TransUnion's Privacy Notice;
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HD Decisions, an Experian business ("HD"), Qualifi, and credit card and loan panel members"), in order to make our eligibility checker service available to you. We operate the eligibility tools in conjunction with HD, and these Panel Members. They, in turn, partner with TransUnion, Equifax Limited ("Equifax") and Experian from time to time.
We'll use the personal information you submit to enable your interaction with our eligibility tools. If you use our eligibility tools a credit report will be generated by carrying out a 'soft' credit check. 'Soft' credit checks allow you to get quotes without affecting your creditworthiness. The 'soft' credit checks will be used by Panel Members to match against their lending criteria and HD to match against other suppliers' lending criteria. The Panel Members' and HD's information is then used to let you know your percentage chances of successfully obtaining a credit card or loan. Your credit report will not be provided to you directly and we'll not receive it either.When you submit your details, you're giving permission to HD and the Panel Members mentioned above to share those details with TransUnion, Equifax and/or Experian. To find out more about how your personal information will be used, please see the rest of this Privacy Notice, HD's terms and conditions and the terms and conditions and/or privacy policies of our Panel Members. Please also see the Credit Reference Agency Information Notice.
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TrueLayer Limited (www.truelayer.com) ("TrueLayer") – Where you agree to us being able to 'read-only' access your bank account data, we use TrueLayer, a secure open banking provider. Please see section 9.5.2 of our Terms and Conditions for detailed information on TrueLayer. By signing up to this service you will need to accept its terms of service and your personal information will be processed in accordance with its Privacy Notice.
If required or permitted to do so by law we may share your data with independent controllers, including:
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any court, the Financial Conduct Authority or any other applicable regulatory, compliance, governmental or law enforcement agency;
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in connection with legal proceedings or potential legal proceedings;
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If ownership of all or part of our Site is transferred, in which case any purchaser would only be entitled to use that information in a way consistent with this Privacy Notice; and
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In line with our own Terms, which incorporate our Forum rules (in particular regarding reporting offending Forum users to their ISP or to the authorities if their actions appear to amount to a crime).
We may also share your data with our service providers that help us host our Site, analyse the Site’s usage, provide our Forum platform, send emails and push notifications. These service providers act as our processors who only process personal data on our instructions and cannot use it for their own purposes.
6. How you can amend your preferences
Unless an email or other form of communication is essential to the service we provide, for example Cheap Energy Club emails, it will include clear instructions on how to unsubscribe. Plus, if you don't want to be contacted by us anymore, you can email DataRequest@moneysavingexpert.com.
7. Your rights
Under the UK GDPR you have the right to:
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Request access to a copy of the personal information we hold about you (commonly known as a subject access request).
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Request correction of inaccurate or incomplete personal information we hold about you.
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Request erasure of your personal information where there is no good reason for us continuing to process it (commonly known as the right to be forgotten).
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Request restriction of our use of your information in some circumstances, for example, while we investigate a complaint that the personal data we hold about you is inaccurate.
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Request data portability whereby we will transfer your personal data either directly to you or to a third party in a machine readable format. This only applies to personal data provided by you that is processed by automated means on the basis of consent or contract.
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Object to processing of your personal information in some circumstances where we use it for our legitimate interests. Additionally, some of the MSE Tools give you the option to hear from us by email about tips, news, and relevant MoneySaving products and exclusives which you can object as well.
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Withdraw consent where we rely on consent to process your personal data.
There are exceptions to some of these rights and if applicable, we will explain this in our response to you.
8. Cookies
We use cookies (not the type you eat, but files which are sent by us to your computer or other devices), web beacons, pixel tags and tracking technology to help improve the functionality and performance of our Site.The information coming from our use of cookies will be aggregated to provide statistical information about the usage of our Site. Some third-party technology we use (such as embedded videos, social sharing) also drop cookies to improve your experience on their sites.For details on what cookies we use, information on how to stop them being stored or how to delete ones already stored, read our Cookie Policy.
9. Where we store your personal information
Keeping information about you secure is important to us so we store and process your personal information in accordance with the high standards required under data protection laws. It might sometimes be necessary for us or our suppliers to transfer your personal information outside of the UK. We only do this if the UK Government has determined a jurisdiction as adequate for data protection purposes or if we have put in place appropriate safeguards, for example by the UK's international data transfer agreement. You can request details of those safeguards by contacting us.
10. How long do we keep your personal information?
We'll only hold your personal information on our systems for the period necessary to fulfil the purposes outlined in this Privacy Notice and/or in cases in which you've provided your consent (which you may withdraw at any time), or until you request it is deleted (unless a longer retention period is required or permitted by law).Generally, you can expect us to keep your personal information while you use the Site or MSE Tools (or have used MSE Tools recently, for example, if you've recently switched to a new energy supplier using our Cheap Energy Club comparison), or regularly open MSE's Money Tips email. Where you've applied for or purchased products or services via the Site we'll need to keep your personal information for longer for accounting purposes – up to seven (7) years following the date on which it is provided to us. If, having registered for any of our services, you don't use them for a reasonable time (which may vary depending on the service(s) you've registered for) we may contact you to ensure you're still happy to receive communications from us.We may delete your data sooner if you request erasure, but it may persist on back-up or archival media for legal, tax or regulatory purposes. When the need to keep your personal data ends, we either delete or anonymise it.
11. How to contact us
If you wish to exercise any of the rights set out under section 7 above, then please contact DataRequest@moneysavingexpert.com or write to Data Requests - MoneySavingExpert at MONY Group House, St. David's Park, Ewloe, Flintshire, CH5 3UZ. You will not have to pay a fee to exercise any of these rights unless your request is manifestly unfounded or excessive, in which case we may charge a reasonable fee. Alternatively, we may refuse to comply with your request in these circumstances.When contacting us, please describe the information you require and make sure that you tell us any email addresses you have used with us, as this allows us to trace all relevant information. Depending on the nature of your request, we may ask you for your full name, your date of birth and your full address and documents to allow us to verify your identity. We try to respond to all requests within one month but occasionally may extend this by two months if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.If you have any other queries or concerns about this Privacy Notice, or if you would like to contact our Data Protection Officer, you can email DataRequest@moneysavingexpert.com or write to the Data Protection Officer at MoneySavingExpert at MONY Group House, St. David's Park, Ewloe, Flintshire, CH5 3UZ.
You also have the right to complain to the ICO at any time, but we’d appreciate the chance to deal with your concerns first.
12. Changes
This privacy notice was last updated in April 2025 to make it clearer what personal data is used for each purpose and the lawful basis applicable. We may make changes to this privacy notice at any time and any changes will be published on our website so please check back regularly. If we make significant changes to this policy, we may also notify you by other means such as sending an email.
Effective as of: 17 April 2025
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