Privacy Policy

  1. About us
  2. How to contact us
  3. The Information we collect and how we use it
  4. Disclosure of the information we collect
  5. Subject Access Requests
  6. IP addresses and Cookies
  7. Links
  8. Security Policy
  9. Changes

1. About us

This Site and its related channels and applications are owned and operated by Leadenhall Learning Limited (‘we’, ‘us’ or ‘our’) and was founded by personal finance expert Damien Fahy. Our Privacy Policy explains the information we collect about you and the steps we take to ensure your information is kept secure and confidential. It should be read together with our Site Terms and Conditions of Use.

Please read this Privacy Policy carefully. If you use our Site, you will be regarded as having read and accepted this Privacy Policy. If you don't wish to be bound by what you read below, you shouldn't use our Site.

2. How to contact us

If you have any queries relating to our use of your personal information or any other related data protection questions, please contact us at damien@moneytothemasses.com.

3. The Information we collect and how we use it

3.1 MoneytotheMasses.com Newsletter

We collect your email address when you register to receive MoneytotheMasses.com’s email newsletter. We usually send our email weekly, but on occasions we may send “special” updates. We only send these “special” updates on rare occasions when we need to tell you something important.

If you wish to stop receiving the MoneytotheMasses.com newsletter at any time, you can do so by entering your email address and clicking the 'Unsubscribe' button here or clicking the ‘Unsubscribe’ link at the bottom of the newsletter email you received.

3.2 Posting Comments

We collect your e-mail address when you submit a comment on one of our posts. We use your email address: (i) to notify you when your post has been approved; (ii) your post has been replied to; and (iii) and IP addresses in accordance with clause 3.5 below.

We do not pre-moderate content posted on our site or any of the communications between our users. However, we may record and use particular communications that are posted in connection with any investigation of any possible misuse of MoneytotheMasses.com or any other communication systems that we operate.

3.3 Downloading Guides

We may collect information when you request to download a guide via a form on our Site. We may use this information to contact you to let you know about any of our products, services or promotions (which, in some cases may be provided by third parties) but only according to the permissions that you consent to when submitting your details to receive the guide as outlined below:

3.3.1 Invest £10k the easy way & beat the market guide

We collect your email address if you chose to download our “Invest £10k the easy way & beat the market“ guide. We provide this guide in conjunction with MoneyFarm - a MFM Investment Limited business (“MF”).

We will use the information you submit as described above to:

  • Send you your copy of the “Invest £10k the easy way & beat the market” guide
  • Send you the MoneytotheMasses.com newsletter and “special” updates
  • Alert you to other MoneytotheMasses.com products, services, guides or tools which we think you may be interested in

By submitting your details as described above, you are consenting to MoneytotheMasses.com passing them to MF for the purposes of receiving further information from MF about goods and services they feel may be of interest. For further information about how your details will be used please see the rest of our Privacy Policy and MF’s Privacy Policy and Terms and Conditions.

3.3.2 Invest £50k the easy way & beat the market guide

We collect your email address if you chose to download our “Invest 50k the easy way & beat the market“ guide”. We provide this guide in conjunction with MoneyFarm - a MFM Investment Limited business (“MF”).

We will use the information you submit as described above to:

  • Send you your copy of the “Invest £50k the easy way & beat the market” guide
  • Send you the MoneytotheMasses.com newsletter and “special” updates
  • Alert you to other MoneytotheMasses.com products, services, guides or tools which we think you may be interested in

By submitting your details as described above, you are consenting to MoneytotheMasses.com passing them to MF for the purposes of receiving further information from MF about goods and services they feel may be of interest. For further information about how your details will be used please see the rest of our Privacy Policy and MF’s Privacy Policy and Terms and Conditions.

3.3.3 Invest £100k the easy way & beat the market guide

We collect your email address if you chose to download our “Invest 100k the easy way & beat the market“ guide”. We provide this guide in conjunction with MoneyFarm - a MFM Investment Limited business (“MF”).

We will use the information you submit as described above to:

  • Send you your copy of the “Invest £100k the easy way & beat the market” guide
  • Send you the MoneytotheMasses.com newsletter and “special” updates
  • Alert you to other MoneytotheMasses.com products, services, guides or tools which we think you may be interested in

By submitting your details as described above, you are consenting to MoneytotheMasses.com passing them to MF for the purposes of receiving further information from MF about goods and services they feel may be of interest. For further information about how your details will be used please see the rest of our Privacy Policy and MF’s Privacy Policy and Terms and Conditions.

3.3.4 7 steps to get the most interest on savings over £50,000

We collect your email address if you chose to download our “7 steps to get the most interest on savings over £50,000”. We provide this guide in conjunction with MoneyFarm - a MFM Investment Limited business (“MF”).

We will use the information you submit as described above to:

  • Send you your copy of the “7 steps to get the most interest on savings over £50,000” guide
  • Send you the MoneytotheMasses.com newsletter and “special” updates
  • Alert you to other MoneytotheMasses.com products, services, guides or tools which we think you may be interested in

By submitting your details as described above, you are consenting to MoneytotheMasses.com passing them to MF for the purposes of receiving further information from MF about goods and services they feel may be of interest. For further information about how your details will be used please see the rest of our Privacy Policy and MF’s Privacy Policy and Terms and Conditions.

3.3.5 7 steps to get the most interest on savings over £100,000

We collect your email address if you chose to download our “7 steps to get the most interest on savings over £100,000”. We provide this guide in conjunction with MoneyFarm - a MFM Investment Limited business (“MF”).

We will use the information you submit as described above to:

  • Send you your copy of the “7 steps to get the most interest on savings over £100,000” guide
  • Send you the MoneytotheMasses.com newsletter and “special” updates
  • Alert you to other MoneytotheMasses.com products, services, guides or tools which we think you may be interested in

By submitting your details as described above, you are consenting to MoneytotheMasses.com passing them to MF for the purposes of receiving further information from MF about goods and services they feel may be of interest. For further information about how your details will be used please see the rest of our Privacy Policy and MF’s Privacy Policy and Terms and Conditions.

3.4 When you interact with our tools and calculators

In order for you to interact with our pension calculator, Inheritance calculator and any other personalised tools and calculators that we may launch from time to time (MTTM Personalised Tools) we need to collect certain information from you. We may use or share your details with our third party partners: (i) for the purpose of enabling your interaction with MTTM Personalised Tools; and (ii) in accordance with clause 3.5 below. Under no circumstances will those third parties be permitted to use your details for their own marketing purposes.

3.4.1 Pension Calculator

We collect your gender, date of birth, gross salary, existing pension fund, personal contribution per month, employer contribution per month, and email address when you use our pension calculator. This information is used to calculate your potential retirement income and only your email address is stored. All other details submitted are not stored by MoneytotheMasses.com or any third party.

We will use the information you submit as described above to

  • Send you the MoneytotheMasses.com newsletter and “special” updates
  • Alert you to other MoneytotheMasses.com products, services, guides or tools which we think you may be interested in

3.4.2 Inheritance Tax Calculator

We collect the current value of your home, value of any other property, value of personal possessions, current and savings accounts, value of investments, value of life assurance policies, other assets, total value of gifts, outstanding mortgage, outstanding loans, other liabilities and your email address when you use our inheritance tax calculator. This information is used to calculate your potential inheritance bill and only your email address is stored. All other details submitted are not stored by MoneytotheMasses.com or any third party.

We will use the information you submit as described above to

  • Send you the MoneytotheMasses.com newsletter and “special” updates
  • Alert you to other MoneytotheMasses.com products, services, guides or tools which we think you may be interested in

3.5 Internal reporting, insight and analysis

We may also use the information referred to in this clause 3 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 – please see clause 4 below.

4. 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 circumstances mentioned below, we will not disclose it to any third party.

We may disclose the information described at clause 2 to a third party in the following circumstances:

  • If required or permitted to do so by law;
  • If required to do so by any court, the Financial Conduct Authority or any other applicable regulatory, compliance, governmental or law enforcement agency;
  • If necessary in connection with legal proceedings or potential legal proceedings;
  • 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 Policy;
  • In line with our own Terms and Conditions of Use and
  • Our business partners for the purpose of receiving further information about goods and services they feel may be of interest as outlined in clause 3.3 above
  • Our technical partners for the purposes of enabling your interaction with MTTM Personalised Tools and/or as described in clause 3.4 above. Under no circumstances will those third parties be permitted to use your details for their own marketing purposes.

5. Subject Access Requests

Under data protection legislation 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 two 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 us at damien@moneytothemasse.com

6. IP addresses and Cookies

6.1 IP address

When you use our parts of our site, we log the IP addresses of users' computers which we use solely for administration and troubleshooting purposes.

6.2 Cookies

We use cookies (files which are sent by us to your computer or other access device):

  • To improve the functionality of the Site
  • To improve the user experience of the Site
  • On our main site to track the pages and articles visited. We use this information to see which items are (or are not) of greatest interest to our readers

If you want to delete any cookies that are already on your computer, please refer to the instructions for your file management software to locate the file or directory that stores cookies.

If you want to stop cookies being stored on your computer in future, please refer to your browser manufacturer's instructions by clicking “Help” in your browser menu. Further information on deleting or controlling cookies is available at www.AboutCookies.org.

Please note that by deleting our cookies or disabling future cookies you may not be able to post messages on our site or use all the tools and services.

The information derived from use of cookies will be aggregated to provide statistical information about the usage of our site.

Apart from the uses described above the only circumstances in which we would disclose any of this information to any third party are: if ownership of all or part of our website were transferred, in which case any purchaser would only be entitled to use that information in a way consistent with this Privacy Policy; or if we are required to do so by any regulatory or criminal authority.

Our site contains links to third party websites that are not subject to this Privacy Policy. Read our Terms and Conditions of Use for further information on these links. We strongly recommend that you read the privacy policy of any websites that you visit.

8. 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 data protection legislation. 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. We use these service providers (which may include some based in the USA) to help us provide products and services to you. When we appoint suppliers we take care to ensure that they have appropriate security measures in place. However, different countries have different data protection and security laws and some of these do not offer the same level of protection as you enjoy under UK data protection legislation. You should be aware that your information may be accessible by government and law enforcement agencies.

You may complete a registration process when you sign up to use parts of our Site. 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 Site 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. This password must be unique and must not be used anywhere else or for any other purpose. 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.

9. Changes

This Privacy Policy is effective from 01 May 2016 and replaces with immediate effect the Privacy Policy published 01 September 2010. We may, from time to time make changes to this privacy policy to reflect any changes to our privacy practices in accordance with changes to legislation, best practice or Site enhancements. We will let you know what these changes are by posting them to this page, but it is your responsibility as a user to make sure that you are aware of them, by checking for any changes on a regular basis. Changes will become effective as soon as they are posted.

 

Effective as of: 01 May 2016