PRIVACY POLICY

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This privacy policy sets out how Your Pocket Matters uses and protects any information that you give Your Pocket Matters when you use this website.

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Your Pocket Matters is committed to ensuring that your privacy is protected.

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Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement, and for the purpose it was intended.

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Security

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We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

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What information we gather and track

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In order to fully understand your needs and be able to give good advice, we need to obtain information about you, your family, your personal circumstances, and your preferences. Some of the information will be private and may be sensitive, such as details of your income and expenditure, health, debts and credit commitments, legal proceedings and adverse credit. Much of the information you provide will need to be passed on to the companies whose products you apply for.

 

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What we do with the information we gather and track

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The primary reason we will use your data is to allow us to do the job you’ve asked us to do. Specifically, we will use your data to:

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• Assess and provide advice to meet your needs and circumstances;

 

• Introduce you to a range of product and service providers in order to meet your requirements.

 

• Administer cases and assist processing of applications;

 

• Inform you about products and services we think may be suitable for you (unless you ask us not to send you this information).

 

• We may also process your personal data for our own legitimate interests. Typically, these would be limited to:

 

• Analysing our business for trends and research how we can improve our services to customers;

 

• Reviewing the work we have carried out for you to ensure we have met our quality standards;

 

• Ensuring we are able to exercise or defend legal challenges in the future;

 

• Your Pocket Matters uses various methods to collect certain other kinds of information including cookies, refers, IP addresses and environment variables.

 

  

This is how we use these methods

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A cookie is an element of data that a Website can send to your browser, which may then store it on your system. It can then be used to provide you with tailored information. Cookies are used to personalize the content that you and other users will see.

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We may use the information to research and understand how our users’ habits are similar or different so that we can enhance your experience on our site.

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We do not match cookie data to any personal identification.

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You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it.

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A referrer is the information passed along by a web browser that references the Web URL you linked from, and it is automatically gathered by our Web server. This information is used by Your Pocket Matters  to identify broad demographic trends that may be used to provide information tailored to your interests.

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IP addresses are automatically gathered by our Web server. Your IP address is a number that is used by computers on the network to identify your computer so that data (such as the Web pages you request) can be sent to you. You will not be personally identified from this information.

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Environment variables we gather include time, type of Web browser being used, the operating system/platform, and CPU speed. This information is used only for broad demographic information. This information is used by us in identifying broad demographic trends and may be used to provide information tailored to your interests.

 

Consent

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When we process your data for marketing purposes so that you can receive communications from us, we will only do so when we have obtained a valid opt-in consent from you. You may revoke your consent at any time.

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Disclosure of your information

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We may disclose your information to any member of our group, which means that we may disclose your information to our ultimate holding company and its subsidiaries.

If it is necessary for us to fulfil a contract with you, we may share your information with our business partners, suppliers and subcontractors, but only with your consent.

 

We partner with the following lists of groups, suppliers and subcontractors in order to manage your Plan. In some cases, they may process personal data, for example, to provide an identity verification check.

• Your Pocket Matters and the companies it has chosen to facilitate your plan

• MailChimp
• Access Financial Services Ltd

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We will never sell, trade, or rent your personal information to others, however, we may share your information with selected third parties in the following instances:

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• In the event that we sell or buy any business or assets, in which case we may disclose your information to the prospective seller or buyer of such business or assets. In such an event, we will ensure that the prospective seller or buyer treats your information as confidential.

• If a third party acquires Your Pocket Matters or substantially all of its assets, in which case information held by Your Pocket Matters about its customers will be one of the transferred assets. In such an event, we will ensure that the third party treats your information as confidential.

• If we are under a duty to disclose or share your information in order to comply with any legal or regulatory obligation, as part of legal proceedings, to enforce or apply our terms and conditions which apply to your products and services or to protect the rights, property, or safety of Your Pocket Matters, our customers or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

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Your rights

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Marketing consent

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When we process your data for marketing purposes, it will be based on us having obtained opt-in consent from you to do so. You may remove your consent at any time by unsubscribing.

Accessing and correcting your personal information

We take reasonable steps to keep your information accurate, complete and current, but you can also ask us to change any information we hold about you to keep it that way. Please remember that it is your responsibility to tell us about any updates to your information.

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Rights to access a copy of your personal information

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You can request a copy of the personal information that we hold about you. This is known as a ‘Data Subject Access Request’, and we normally have one month to respond to such a request.

You can make a ‘Data Subject Access Request’ by using the contact information detailed above in this notice.

Any access request is free of charge although we may ask you to provide us with a form of approved identification in order for us to verify your identity.

 

Right to be forgotten

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In certain circumstances, you have the right to ask us to delete the personal information we hold about you, for example; if your personal information is no longer necessary for the purposes it was collected for, or your personal information has been processed unlawfully. There are legitimate reasons that we must retain some of your personal information after you have requested its deletion, including compliance with legal or regulatory obligations to which we are subject, or for any legal claims.

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Right to request a restriction on our processing of your personal information

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You can request that we restrict our processing of your personal information in specific circumstances. Where a restriction is in place, we can continue to store your information, but we will only process it with your consent or for legal, individuals’ rights or important public interest reasons. We will inform you prior to the lifting of any restriction. 

 

Right to object to our processing of your personal information

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When our processing of your information is performed on the basis of ‘legitimate business interest’ or ‘public interest’, you can request we stop the processing. We can continue to process your information for the establishment, exercise or defence of legal claims if we demonstrate compelling legitimate grounds which override your interests, rights or freedoms.

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Right to complain to a supervisory authority

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If you are dissatisfied with our use or management of your personal information, you have the right to complain to an EU Data Protection Supervisory Authority. That authority should be located where you live, where we are based, or where you feel the issue you wish to complain about took place. In the UK, the relevant Data Protection Supervisory Authority is the Information Commissioners Office (ICO). You can contact the ICO through their website: www.ico.org.uk.

If at any time you believe that we have not complied with these principles, please notify us by sending an email to enquiries@yourpocketmatters.co.uk, and we will investigate your concerns and take all reasonable steps to resolve the matter promptly.

 

Contacting us about privacy

 

If you have any questions about this privacy statement, the practices of this site, or your dealings with this website, please contact us via this website.

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Links to other websites

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Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement.

 

You should exercise caution and look at the privacy statement applicable to the website in question.

Your use of this website constitutes acceptance of our policy.