Privacy Policy
This Privacy Policy applies to the MoneyToolkit. The MoneyToolkit is operated by East Lancashire Moneyline (IPS) Ltd (also known as Moneyline), a company registered in England and Wales (registration number 29282R).
For the Data Protection Act 2018 and GDPR, Moneyline is the Data Controller of any personal information shared with us through the MoneyToolkit. Moneyline is registered with the Information Commissioner’s Office as a Data Controller, registration number Z5949140.
Our commitment to you
We are committed to protecting your privacy as detailed in this Privacy Policy (the “Policy”) and we have developed this Policy so that you understand how your data may be processed. In this Policy, we explain how Moneyline collects, uses and discloses personal information about you when you use the MoneyToolkit.
All information collected on the MoneyToolkit will be kept strictly confidential and will not be sold, leased or rented to parties outside of Moneyline.
We will not disclose your personal information to third parties not involved in delivering any services you have requested or agreed to unless obligated by law, or use it for other purposes, such as unsolicited direct marketing. A more detailed explanation of how we safeguard your personal information is described in the FAQs below.
What type of personal information does Moneyline collect and why?
When you are referred to the MoneyToolkit by your referrer, the referrer shares certain information from your loan application, these may include: your age, partnership status, number of dependents, type of housing, postcode, monthly income, amount of benefits received, and the reason for the loan application. This information, linked to a user identifier, does not include personal details at this point.
You must then sign in to the MoneyToolkit using your email address. This is to help you access and manage the support you are entitled to and connect with organisations that can help in improving your financial resilience and well-being. We also use your email address to send reminders about applying for benefits and the next actions you need to take.
Next, you are asked to provide more detailed personal information, which may include your household composition, family members’ dates of birth, and financial details. This information is necessary to calculate the support you are eligible for and to facilitate connections with organisations that can enhance your financial resilience.
This Policy details our process for handling your data, outlines your rights under GDPR, and explains how to exercise those rights.
What is our legal basis for processing personal data?
The GDPR mandates having one or more lawful reasons for using your personal information. Moneyline has a legitimate interest in processing your personal data to ensure the MoneyToolkit information is accurate and customised for you.
Does Moneyline share personal information with third parties?
Your personal information may be made available to third parties (within or outside Moneyline) providing relevant services under contract to Moneyline, such as advisers, auditors and compliance managers, IT hosting and IT maintenance providers. We will also provide your referrer with an aggregate analysis of users’ information, which does not reveal any personally identifiable data. This analysis will be used to monitor and analyse the impact of the MoneyToolkit on their customers. Your referrer may use the information solely to perform services on our behalf and for no other purpose.
We may disclose specific information upon lawful request by government authorities, law enforcement and regulatory authorities where required by law.
What safeguards are in place to protect your personal information?
We use a variety of security measures to maintain the safety of your personal information. Nevertheless, whilst we make efforts to safeguard your personal information by relevant laws, please be aware that the nature of the internet is such that we cannot guarantee absolutely the security of any personal information you disclose online.
Where do we store and process your personal information?
We store and process your information within the European Economic Area (EEA) on AWS and Google Cloud servers in the UK.
What rights do you have about the information we hold about you?
Under the Data Protection Act 1998, you have rights as an individual which you can exercise about the information we hold about you. You can read more about these rights here.
You have the right to:
- Ask us to confirm what information we hold about you at any time.
- Access the information we hold about you, free of charge.
- To have information about you corrected or deleted. We will delete information at your request unless we have a legal obligation to keep it or we are permitted to do so, if for example, you still have an outstanding loan balance with us.
We will reply to your request within one month of receiving it. To make such a request, please use the contact details at the bottom of this policy.
If you are unhappy about how your personal data has been used, please see the ‘Complaints’ section on our website. You may also complain to the Information Commissioner’s office. This is the regulator for processing information. You can contact them at www.ico.org.uk
How long do we keep your personal information?
We will keep your details on record until we have completely dealt with your request, enquiry or application and then for a reasonable period afterwards. We will then securely delete your details under data protection and other applicable legislation.
Cookies
When you visit our website or our App, we may collect information about your computer (including, where available, your IP address, operating system, and browser type) and your use of our website. For more information, please refer to our Cookies Policy on our website.
Changes to our External Privacy Policy
We may update this policy any time. Any changes we may make will be posted on our website. The date when this version of the policy was posted can be found at the bottom of this policy.
Disclaimer
Our website and our App may, from time to time, contain links to other websites. If you follow a link to any of these websites, please note that these websites have their own privacy policies. We do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal information to these websites.
Complying with data protection and privacy laws is one of our greatest priorities. We do all we can to protect your personal information. However, sharing information over the internet is not completely secure and we cannot guarantee the security of information that you share with our website. Any transfer of information is done at your own risk.
Our contact details
The Compliance Department
Moneyline
The Globe Centre
St James’ Square
Accrington
BB5 ORE
Email: ServiceTeam@moneyline-uk.com
Phone: 0345 643 1553