Privacy Policy
This privacy policy sets out how Moneycope (“we”, “our, or “us”) uses and protects any information that you give when you use this website (www.moneycope.com).
We are committed to ensuring that your privacy is protected. Moneycope controls any information which you provide on this website, and those listed below, and is registered as a Data Controller with the Information Commissioner’s Office (ICO) under the Data Protection Act 1998 (the Act). If you would like further information or require any clarification on anything which is detailed within our Privacy Policy, please email us at support@moneycope.com or call us on 020 3833 0330. Moneycope is a trading name of Doodlo Design Studio Ltd, a company incorporated in England and Wales, Company Number 14599962. 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 1st August 2022
TYPES OF DATA THAT CAN BE COLLECTED
Personal data means any information that can be used to identify directly or indirectly a specific individual. During the course of completing a lifestyle survey we collect different types of personal data from you. This data can be categorised into four types:
Category Description
Demographic This relates to basic information such as your gender, name, date of birth and contact details.
Life stage This relates to information such as marital status, type of employment, household income and presence of children.
Lifestyle This relates to your likes and dislikes or your hobbies and interests, e.g. whether you like to travel.
Purchase intent This relates to things like reducing your household bills or making home improvements.
WHAT DATA WE COLLECT?
The following Information about you may be collected and processed by us:
Details that you provide to us directly by visiting our website and by filling in any forms on our website This includes using our online services, completing a loan enquiry form, requesting a quote, becoming a newsletter subscriber and applying for any other product or service on our site
Details of any transactions that you carry out through our system, including information of your visit to our website and details of any resources accessed when using our website
Details that you may provide to us when contacting us
Details that you have consented to being passed to us by our affiliates, partners and brokers
You always have the right to refuse to answer any question
HOW WE SECURE YOUR DATA
In order to protect your personal data we have strict security measures in place:
o We use secure servers to store your data. These are treated as confidential and are not accessible to the public
o The data is only accessible (by means of user log in and password credentials) to those of our own employees or those third parties who need to know such information in order to deliver our products and services
o In order to identify security threats, and to ensure continued security, Moneycope routinely evaluates its data security procedures – the integrity of our servers is of paramount importance to us
We will not store your personal details beyond the legally-permitted period and so records we hold relating to you will be entirely deleted from our servers at the point we can no longer legally retain them.
Although Moneycope takes all possible measures to completely protect your data, we are unable to guarantee or warrant the security of any information that you transmit to us. Data transmission over the internet can be an insecure method of communication. It may be possible for third parties outside of the control of Moneycope to access the data you are communicating to us whilst the transmission is in process and neither Moneycope or you would be aware.
How We Use your Data
Our sites collect personally-identifiable information from our users at several different points on our website. Our sites collect demographic information about you, (such as name, age and address) and answers to specific questions asked by our sites, its clients or sponsors. This data will be used in order to process and submit your enquiry to our partners. It may also be used by Moneycope and carefully selected third parties to contact you by email, SMS, post, telephone or other appropriate means, with communications about their products or services, who may contact you ;
examples are such as:
o Credit brokers
o Unsecured loans provider, secured loans providers, short term lenders, alternative lenders, peer to peer lender, guarantor lenders
o Prepayment card and bank account providers
o Car finance, logbook loan lenders
o Insurance services such as car insurance, home and contents insurance
o Debt and property possession adjusters/advisers
o Utility switching agents
o Debt management companies, insolvency practitioners, bankruptcy specialists
o Equity release arrangers and credit reference advisers
Here are the footprints you might see on your credit file as a result of using our services who may contact you:
|
Third Party Partners |
Industry/Service |
|
Debtsolutions ltd |
Debt Management |
|
FirstLoans |
Credit Broker |
|
Surveyplus Uk |
Offers and Discounts |
|
Doodlo Design Studio Ltd |
Phone and Services |
|
My Car Ins |
Insurance |
|
TS Marketing LTD |
Debt Management |
|
Credit broker |
|
|
Credit broker |
|
|
Techsquare |
Offers and Discounts |
You can ask us to stop processing or sharing your details at any time now or in the future by sending an email to dpo@moneycope.com or calling us at 020 3833 0330.
YOUR RIGHTS
You have a number of rights under the law which include;
Right to be informed – When we collect your data we have to tell you what we are going to do with it primarily through this Privacy Policy and consent statement.
Right of access – You have the right to contact us verbally or in writing to request details of the information we hold about you.
Right of rectification – You have the right to ask us to rectify information that we hold about you if it is inaccurate or incomplete.
Right to erasure – This is also known as the right to be forgotten and gives you the right to request your information be removed if there is no compelling reason for its continued processing. A word of warning though we keep a list of people who have asked not to be contacted which we use to ensure that you receive no further marketing from our group or clients as a result of our activity. Without this list your data could enter our system again from another source and we would have no record of the fact that you asked us not to contact you.
Right to restrict processing – this is the alternative to erasure and gives you the right to tell us to stop processing your data but allowing us to keep enough information about you to ensure that your wishes are respected in the future.
Right to data portability – this gives you the right to ask a holder of your information to transfer that information to another business. This right would most commonly used if you were switching banks, insurance companies, utilities companies and mobile phone providers.
Right to object – you have the right to object to the processing of your data for marketing purposes and profiling for marketing purposes. You also have the right to ask us to cease processing based on our legitimate interests, where there is no overriding justification for the processing of your data. Your rights and freedoms override our interests.
Rights related to automated decision making including profiling – we do not use automated decision making processes which would have a potentially damaging effect on you. But if we did you have the right to obtain human intervention, express your point of view, obtain an explanation of the decision and challenge it.
Right to withdraw consent at any time where relevant – you have the right to withdraw your consent to the processing of your information at any time and we must provide you with the information to need to do so, at the time we collect your data and each time we contact you.
Right to lodge a complaint with a supervisory authority – If we cannot deal with your complaint to your satisfaction you also have the right to complain to a relevant supervisory authority which include; The Information Commissioners Office; Wycliffe House, Water Lane, Wilmslow, SK9 5AF, or call: 0303 123 1113 or online at https://ico.org.uk/concerns/ and The Advertising Standards Authority – https://www.asa.org.uk/make-a-complaint.html
To exercise any of your right, you can contact us though here
You control your data
You may choose to restrict the collection or use of your personal data in the following ways:
Our registration forms will always have an unticked box for third party marketing, which you can optionally select to allow your personal data to be sent to our partners for direct marketing purposes.
You can control the channels of which you receive marketing, whether by email, phone, SMS or post by selecting the appropriate unticked box in our website forms, which determine the method by which you wish to be contacted.
Where consent has been previous obtained to us or our trusted partners to using your personal data for direct marketing purposes, you can change your mind at any time by going to the Marketing Preferences section of the website or emailing our Data Protection Officer at support@moneycope.com
HOW WE CONTACT YOU
Once you are register with Moneycope you will receive a welcome email, and regular newsletters packed with great prizes for you to win. You may also receive further emails and SMS messages describing new prizes and specific events relevant to you as a member of Moneycope.
You have a right to object to such processing see below.
There is information on how to unsubscribe at the bottom of every email Moneycope sends out. We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you answer questions from one of our loans clients but do to apply for a loan you can state not applicable and you will not receive communication from the loan client.
To opt-out, you can simply send an email to support@moneycope.com or call 020 3833 0330.
HOW LONG DO WE KEEP YOUR DATA
We take your data privacy rights seriously. Whilst the law does not put a time limit on the amount of time we should hold your personal data, Moneycope only wishes to retain data for as long as it is required for the purposes for which it was collected; for as long as it remains accurate and up-to-date; and most importantly, for as long as you are happy for us to do so.
In addition, to help Moneycope maintain the most recent indication of your marketing and data processing preferences, we will provide you with ongoing reminders of your data subject rights with access to this privacy policy. We refer to this as engagement or notification recency. Therefore our data retention policy considers the purpose, the legal basis under which it is processed, and also the most recent engagement.
Marketing – where we process your data under consent we will stop using it for marketing purposes after five years. Where we rely on legitimate interests we will continue to process your data for ten years, subject to receiving notification from ourselves that we hold your information.
Profiling – we will stop using your data for this purpose after ten years.
Tracing and Credit Reference – as this purpose plays an important function of protecting individuals, we will retain your data for twenty years. However, only basic name, date of birth and contact information is retained for this purpose.
In addition, when completing lifestyle questions you may provide us with information such as the make and model of your car or the newspaper you read. Where information such as this has less use over time, it will be removed sooner than the retention periods detailed above.
It is important that the personal data we hold and process is accurate and up-to-date. Therefore, we regularly refresh the database against suppression lists and remove those who no longer wish to be contacted. As we explain in the section marked What are your rights? you can withdraw your consent to us at any time.
Changes to this privacy policy
We may update this policy from time to time. We therefore recommend that you review this page periodically for any changes. Any such changes are effective as soon as they are published to this page.
Contacting us
If you have any questions about our privacy policy please contact us and we’ll do our best to help.