Cookies Policy

Cookies Policy

This is the Cookie Policy for  for MoneytotheMasses.com and its related channels and applications (the "Site") which are owned and operated by Leadenhall Learning Limited (‘we’, ‘us’ or ‘our’).

This Cookies Policy explains what cookies are, how MoneytotheMasses.com uses cookies and similar technologies on its websites, and what you can do to manage how cookies are used. This cookies policy contains more information on the following:

  1. What are cookies?
  2. How Does Moneytothemasses.com Use Cookies?
  3. How does MoneytotheMasses.com keep track of the cookies on its websites?
  4. How can I manage or opt out of cookies?
  5. Further Information and Contact Details

Protecting your personal information is really important to us and we recommend you read our Privacy Policy which details how we collect, use and protect your personal information.

1. What are cookies?

A cookie is a small text file which is sent to your computer or mobile device (referred to in this policy as a “device”) by the web server so that the website can remember some information about your browsing activity on the website. The cookie will collect information relating to your use of our sites, information about your device such as the device’s IP address and browser type, demographic data and, if you arrived at our site via a link from third party site, the URL of the linking page. If you are a registered user or subscriber it may also collect your name and email address, which may be transferred to data processors for registered user or subscriber verification purposes.

Cookies record information about your online preferences and help us to tailor our websites to your interests. Information provided by cookies can help us to analyse your use of our sites and help us to provide you with a better user experience.

Cookies are either ‘session’ or ‘persistent’ cookies, depending on how long they are stored for:

Session cookies are only stored for the duration of your visit to a website and are deleted from your device when you close your browser;
Persistent cookies are saved on your device for a fixed period of time after the browser has closed and are activated each time you visit the website where the cookie was generated.
In addition to cookies, MoneytotheMasses.com also use web beacons. A web beacon is a line of code which is used by a website or, less frequently, a third party ad server to measure a user’s activity, such as interaction with an advert or purchase of a product. A web beacon is often invisible because it is only 1 x 1 pixel in size with no colour. A web beacon can also be known as a web bug, 1 by 1 GIF, invisible GIF and tracker GIF.

Click here for information on different types of cookies.

2. How Does Moneytothemasses.com Use Cookies?

We, together with our trusted partners, use cookies for the following purposes:

2.1. Essential and Functional Cookies

We use these cookies to enable certain online functionality including:

  • identify returning users, registrants and subscribers and to allow them to be presented with a personalised version of the site;
  • eliminating the need for returning users to re-enter their login details;
  • commenting on our sites;
  • operating a shopping trolley on our site

If you would prefer to disable essential and functional cookies, please click here.

2.2. Analytical Performance Cookies

We use these cookies to measure users’ behaviour to better develop our websites. By using web analytics services provided by Google Analytics we can analyse which pages are viewed and how long for and which links are followed, and we can use this information to provide more content which is of interest. We also use this analysis to report on our performance and to sell advertising.

3.3. Behavioural Tracking Cookies

We use these cookies to:

  • manage online advertising and revenue share arrangements. Our approved, advertising partners, primarily Doubleclick and Google Adsense, use cookies together with web beacons to provide advertising to you and to enable us to manage our relationship with those advertisers by, for example, tracking how many unique users have seen a particular advertisement or followed a link in an advertisement.
  • to measure general user behaviour across our sites and third party sites to build a profile based on users browsing patterns so that we and third parties can target advertising to users that will be more relevant to users’ interests. This means that if, for example, users visit a page then the cookie will collect this information and we may be able to suggest further relevant content on MoneytotheMasses.com that a user may wish to read.
  • to create profiles that we may use to send you relevant content in any emails that you have consented to receive from us

We also include web beacons (also known as clear GIFs or web bugs) in our emails to track the success of our marketing campaigns. This means that if you open an email from us we can see which of the pages of our Website you have visited. Our web beacons do not store additional information on your device but, by communicating with our cookies on your device, they can tell us when you have opened our email.

The information generated by the cookie about your use of our sites (including your IP address) will be transmitted to and stored on servers in the United States and/or United Kingdom. They may also transfer this information to third parties where required to do so by law, or where such third parties process the information on their behalf. By using this website, you consent to the processing of data about you by those service providers in the manner and for the purposes set out above.

We cannot control nor do we have access to any cookies placed on your computer by third party advertisers and sponsors.

3.4. Other Third Party Cookies

You may notice on some pages of our websites that cookies have been set that are not related to MoneytotheMasses.com. When you visit a page with content embedded from, for example, YouTube or Facebook, these third party service providers may set their own cookies on your device. MoneytotheMasses.com does not control the use of these third party cookies and cannot access them due to the way that cookies work, as cookies can only be accessed by the party who originally set them. Please check the third party websites for more information about these cookies.

3. How does MoneytotheMasses.com keep track of the cookies on its websites?

On an annualy basis, we conduct an audit of all cookies being used across our website portfolio. This policy will be reviewed to ensure it is up to date following each audit.

4. How can I manage or opt out of cookies?

Some people find the idea of a website storing information on their device a little intrusive, in particular when the information is stored and used by a third party. For example, you may object to being served advertising which is targeted to your interests based on your browsing history. If you would prefer to opt out of cookies, it is possible to control cookies by following the steps below, however you should be aware that you might lose some features and functionality of the website if you do so

Cookies, including those which have already been set, can be deleted from your hard drive. You can also change the preferences/settings in your web browser to control cookies. In some cases, you can choose to accept cookies from the primary site, but block them from third parties. In others, you can block cookies from specific advertisers, or clear out all cookies. Deleting or blocking cookies may reduce functionality of the site. To learn more about how to reject cookies, visit www.allaboutcookies.org or go to the help menu within your internet browser. If you experience any problems having deleted cookies, you should contact the supplier of your web browser.

Opting out of Analytical Performance Cookies:

If you would like to opt out of Analytics cookies, please do so by clicking on the links below:

Comscore Digital Analytix – http://sitestat.com/privacy/

Google Analytics: https://tools.google.com/dlpage/gaoptout

Opting out of Behavioural Advertising Cookies:

If you would like to disable “third party” cookies generated by advertisers or providers of targeted advertising services, you can turn them off by going to the third party’s website and getting them to generate a one-time “no thanks” cookie that will stop any further cookies being written to your machine. Here are links to the main third party advertising platforms we use, each of which have instructions on how to do this:

http://www.google.com/privacy_ads.html

http://www.audiencescience.com/consumers

http://www.admeld.com/privacy/

You can find out how to decline other online behavioural advertising by visiting:

http://www.networkadvertising.org/managing/opt_out.asp

Web Beacons

If you object to web beacons in emails, we recommend that you follow the instructions for deleting existing cookies and disabling cookies above. We will still know how many of our emails are opened and we will automatically receive your IP address, a unique identifier of your device or other access device; but we will not identify you as an individual.

5. Further Information and Contact Details

Please contact the MoneytotheMasses.com team if you would like more information on the cookies that we use and their purposes:

By email: [email protected]

For more information about cookies please visit www.allaboutcookies.org and for more information about behavioural advertising in particular please visit www.youronlinechoices.com/uk/.

General information about data protection may be found at:

Information Commissioner’s website: http://www.dataprotection.gov.uk

Direct Marketing Association: http://www.dma.org.uk

Consumer advice from the DMA: http://www.mydm.co.uk

Effective as of: 11 May 2018

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The material on the Money to the Masses website, 80-20 Investor, Damien’s Money MOT, associated pages, channels, accounts and any other correspondence are for general information only and do not constitute investment, tax, legal or other form of advice.

You should not rely on this information to make (or refrain from making) any decisions. Always obtain independent, professional advice for your own particular situation. Leadenhall Learning (owner of Money to the Masses, 80-20 Investor and Damien’s Money MOT) and its staff do not accept liability for any loss suffered by readers as a result of any such decisions or their use of any information on this site. See full Terms & Conditions, Privacy Policy and Disclaimer.

Money to the Masses is a journalistic website and aims to provide the best personal finance guides, information, tips and tools, but we do not guarantee the accuracy of these services so be aware that you use the information at your own risk and we can't accept liability if things go wrong.

We aim to give you accurate information at the date of publication, unfortunately price and terms and conditions of products and offers can change, so double check first. Leadenhall Learning, Money to the Masses, 80-20 Investor, Damien's Money MOT nor its content providers are responsible for any damages or losses arising from any use of this information. Always do your own research to ensure any products or services and right for your specific circumstances as our information focuses on rates not service.

Past performance is no guarantee of future results. Funds invest in shares, bonds, and other financial instruments and are by their nature speculative and can be volatile. You should never invest more than you can safely afford to lose. The value of your investment can go down as well as up so you may get back less than you originally invested.

We do not investigate the solvency of companies mentioned on our website. We are not responsible for the content on websites that we link to.

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If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.

**51% of consumers could save £523.47 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next six cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier. 51% of consumers could save £222.30 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2024. The savings you could achieve are dependent on your individual circumstances. You could pay from £3.35 per month for Pet Insurance. Price per month for cover based on a dog, Penelope, aged 4 months, no known medical conditions, up-to-date vaccinations, and microchipped. Based on quote data provided by Seopa Ltd during August 2024. The quote price you could achieve is dependent on your individual circumstances.

Leadenhall Learning Limited (trading as Money to the Masses) is an introducer appointed representative of Seopa Limited which is authorised and regulated by the Financial Conduct Authority.

Leadenhall Learning Limited (trading as Money to the Masses) is an appointed representative of Wealthify Limited which is authorised and regulated by the Financial Conduct Authority. Money to the Masses acts as an appointed representative for the purpose of promoting Wealthify products and introducing customers to Wealthify.

Leadenhall Learning Limited (trading as Money to the Masses) is an Introducer Appointed Representative of Creditec Limited who is acting as a credit broker and not a lender and which is Authorised and Regulated by the Financial Conduct Authority (FRN: 972716)
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