This Privacy Policy explains how MoneyMate UK ("we", "us", "our") collects, uses and protects information about you when you visit moneymateuk.com (the "Site"). We are committed to protecting your privacy and complying with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

1. Data controller

MoneyMate UK is the data controller for personal data collected through this website. If you have any questions about how we handle your data, please use our contact form.

2. Information we collect

Information you provide

When you contact us via our contact form, we collect your name, email address and the content of your message. This information is used solely to respond to your enquiry.

Information collected automatically

When you visit the Site, certain information may be collected automatically if you have consented to cookies, including your IP address, browser type and version, pages you visit and time spent on them, the website that referred you to our site, and device type and operating system. This information is collected via Google Analytics and Google AdSense where cookie consent has been given.

3. Cookies

This Site uses cookies — small text files stored on your device. We use the following types of cookies:

Essential cookies

These are necessary for the Site to function and do not require consent. They include our cookie consent preference cookie.

Analytics cookies (Google Analytics)

Only set after you have accepted cookies. We use Google Analytics to understand how visitors use the Site. This collects anonymised data about pages visited, time on site, and traffic sources. You can opt out of Google Analytics by installing the Google Analytics opt-out browser add-on.

Advertising cookies (Google AdSense)

Only set after you have accepted cookies. We display advertisements provided by Google AdSense. Google may use cookies to serve ads based on your prior visits to this or other websites. You can opt out of personalised advertising by visiting Google's Ads Settings.

You can manage your cookie preferences at any time using our cookie banner or by adjusting your browser settings. Note that disabling cookies may affect the functionality of this Site.

4. How we use your information

We use the information we collect to respond to contact form enquiries, analyse and improve the Site's content and performance (where consent has been given), display relevant advertising through Google AdSense (where consent has been given), and comply with legal obligations. We do not sell, rent or share your personal data with third parties for their own marketing purposes.

5. Legal basis for processing

Under UK GDPR, our legal bases for processing personal data are as follows. We rely on consent for analytics cookies (Google Analytics) and advertising cookies (Google AdSense), where you have accepted via our cookie banner. We rely on contract (taking steps at your request) to respond to your contact form enquiry. We rely on legitimate interests for essential website security and functionality cookies that are strictly necessary for the Site to operate.

6. Data retention

Contact form submissions are retained for up to 12 months. Analytics data is retained according to our Google Analytics settings (26 months by default). You may request deletion of any personal data we hold about you at any time.

7. Third-party services and international transfers

This Site uses the following third-party services which may process your data:

Some of these third-party providers may transfer and process personal data outside the United Kingdom. Where this occurs, appropriate safeguards are in place in accordance with UK GDPR requirements, including standard contractual clauses or equivalent protections recognised under UK law.

8. Your rights

Under UK GDPR, you have the right to access the personal data we hold about you, request correction of inaccurate data, request deletion of your data, object to processing of your data, request restriction of processing, withdraw consent at any time where processing is based on consent, and lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk. To exercise any of these rights, please use our contact form.

9. Security

We take reasonable steps to protect your information from unauthorised access or disclosure. This Site is served over HTTPS and hosted on Cloudflare's secure infrastructure.

10. Children

This Site is not intended for individuals under 18 years of age. We do not knowingly collect personal data from anyone under 18.

11. Changes to this policy

We may update this Privacy Policy from time to time. The date at the top of this page indicates when it was last updated. We encourage you to review this policy periodically.

12. Contact

If you have questions about this Privacy Policy or how we handle your data, please use our contact form.