This privacy policy sets out how Your Money Insights (“we”, “our or “us”) uses and protects any information that you give, when you use this website (www.yourmoneyinsights.com).
Your Money Insights is a trading name of BlackB Financial Services Ltd. We are a company registered in England and Wales and our company number is 10580082.
We are committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this E Magazine, then you can be assured that it will only be used in accordance with this privacy policy and in any event in compliance with our legal requirements.
We may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 24th May 2018.
- What this policy covers
This policy covers only our website, our website may contain links to other websites. Please note that we have no control over how your data is collected, stored, or used by other websites and we advise you to check the privacy policies of any such websites before providing any data to them.
- What is ‘personal data’?
Personal data is defined by the General Data Protection Regulation (EU Regulation 2016/679) (the “GDPR”) as ‘any information relating to an identifiable person who can be directly or indirectly identified in particular by reference to an identifier’.
Personal data is, in simpler terms, any information about you that enables you to be identified. Personal data covers obvious information such as your name and contact details, but it also covers less obvious information such as identification numbers, electronic location data, and other online identifiers.
- What we collect:
Depending upon your use of our website and our services we may collect some or all of the following personal and non-personal data:
- Name
- Contact information including email address and telephone number
- Address
- Demographic information such as postcode, IP address, preferences and interests, residential and employment status
- Payment information
- If you send us a message via the contact us page then we will keep a record of that contact
- If you contact us by phone may record the call
- What we do with the information we gather
We require this information to process your order understand your needs and provide you with a better service, and in particular for the following reasons:
- to provide you with the service that you have subscribed to, including sharing your details to the service provider that processes the payments in order that we may complete the service to you.
- To manage your subscription.
- To provide you with information about updates and changes to your subscription.
- Internal record keeping.
- To improve our products and services.
- Personalising and tailoring your experience on our website.
- Communicating with you. This may include responding to emails or calls from you.
- We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address which you have provided (you can opt out of this at any time).
- From time to time, we may also use your information to contact you for market research purposes. We may contact you by email or phone. We may use the information to customise the magazine according to your interests (you do not have to take part and you may opt out of this at any time)
- Analysing your use of Our website to enable us to continually improve our Site and your user experience.
With your permission and/or where permitted by law, we may also use your personal data for marketing purposes, which may include contacting you by email, telephone or text message with information, news, and offers on our products and services. You will not be sent any unlawful marketing or spam. We will always work to fully protect your rights and comply with our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003, and you will always have the opportunity to opt-out.
Legitimate Interest
Where we use legitimate interest for the basis of our processing of your personal data we shall ensure that we can demonstrate compelling legitimate grounds for the processing, which override the interests, rights and freedoms of the individual.
You have the right to object to our use of your personal data where we use legitimate interest as the basis of processing. You can do this by contacting us on the details in section 11.
Our legitimate interests include:
- intra-group transfers;
- the maintenance of our IT/Data Security systems and processes;
- putting in place fraud prevention mechanisms;
- keeping our records up to date;
- working out which of our products and services may interest you and telling you about them (i.e. direct marketing);
- developing products and services;
- being efficient about how we fulfil our legal duties;
- complying with laws/regulations that apply to us.
- How long do we keep your personal data?
We keep your personal data for along as you have an active subscription, and for a period of six year after termination/cancellation of the service, unless we are required by law to keep this for longer.
Call recordings are kept for a minimum period of three years, unless we are required to keep them for longer for example if we are dealing with a complaint or legal dispute.
- Security
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safe guard from unauthorised access.
Our E magazine may contain links to other websites of interest. However, once you have used these links to leave our pages, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
- Controlling your Personal Information and opting out
You may choose to restrict the collection or use of your personal information in the following ways:
- Whenever you are asked to fill in a form on the website or magazine, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes.
- If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by messaging us in the “Get in touch” part of the website or you can email us or contact us by phone.
- To opt out of any marketing you have received then you can simply contact us by email, phone or post and request that we unsubscribe you, or you may use the link in any electronic marketing message you receive to opt out.
We will never share your personal details with a third party unless you have expressly agreed that we can do this.
- Do we share your data with third parties?
We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so.
We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.
We may share your data:
- With our current and perspective partners, agents and subcontractors that are engaged in the delivery of the E magazine service to you;
- with other companies in our group, including their respective partners, agents and sub-contractors;
- Where we sell all or part of our business, we will share your personal data with the new owners (where we do this you will be notified of this in advance);
- Where it is necessary to protect our rights and property;
- With fraud prevention agencies.
If any of your personal data is required by a third party, as described above, we will take steps to ensure that your personal data is handled safely, securely, and in accordance with your rights, our obligations, and the third party’s obligations under the law, as described in section 9 below.
If any personal data is transferred outside of the EEA, we will take suitable steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the GDPR, as explained above in Part 9.
In some limited circumstances, we may be legally required to share certain personal data, which might include yours, if we are involved in legal proceedings or complying with legal obligations, a court order, or the instructions of a government authority.
- How and Where Do You Store or Transfer My Personal Data?
We may store or transfer some or all of your personal data in countries that are not part of the European Economic Area (the “EEA” consists of all EU member states, plus Norway, Iceland, and Liechtenstein). These are known as “third countries” and may not have data protection laws that are as strong as those in the UK and/or the EEA. This means that we will take additional steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the GDPR as follows.
We use specific contracts with external third parties that are approved by the European Commission for the transfer of personal data to third countries. These contracts ensure the same levels of personal data protection that would apply under the GDPR. More information is available from the European Commission.
Please contact us using the details below in section 11 for further information about the particular data protection mechanism used by us when transferring your personal data to a third country.
- Your rights
You may request a copy of your personal information which we hold about you under the General Data Protection regulation. There is normally no fee that is charged for such requests. If you would like a copy of the information held on you, please call us on 020 3954 0177
In addition to the above the GDPR also gives you the following rights:
- To be informed about how we use your personal data (the purpose of this Privacy Policy);
- To ask us to correct or remove any inaccurate data about you (for example if you have moved address, or change your telephone number);
- To ask us to delete (right of erasure) your personal data. However, there may be circumstances where we are legally entitled to retain it;
- To get a free copy of your personal data in a machine-readable format (right of portability);
- To object to our processing of your data and have it restricted. However, there may be circumstances where you ask us to restrict the processing of your information, but we are legally entitled to refuse that request;
- Although we do not carry out any automated decision making using your personal data, you do have a right to review some automated decision-making or profiling and ask for a human being to make the decision;
- The right to make a complaint to the Information Commissioner (www.ico.org.uk) if you think that any of your rights have been infringed by us.
To exercise any of your rights, you will need to contact our member services team by telephone or email.
- Questions
If you have any question about this policy or our use of your personal information then you can contact us by post:
Data Protection Officer
BlackB Financial Services Ltd
483 Green Lanes, London, England, N13 4BS