This Privacy Policy explains how MoneyHarbor.co.uk (“we”, “us”, or “our”) collects, uses, stores, and protects your personal information when you visit our website (the “Site”). By using MoneyHarbor.co.uk, you agree to the practices described in this policy. If you do not agree, please do not use the Site.
1. Who We Are
Our website address is https://MoneyHarbor.co.uk. We are a blog providing information and commentary on UK personal finance topics such as ISA investments, retirement planning, savings, and money management.
2. Information We Collect
We may collect the following information:
- Personal Identification Information: This is provided voluntarily by you when you subscribe to a newsletter, leave a comment, or contact us. It may include your name and email address.
- Non-Personal Identification Information: We automatically collect certain data about your visit, such as your browser type, operating system, the pages you viewed, and how you interacted with the Site. This is typically collected through cookies and similar tracking technologies.
3. How We Use Your Information
We use the collected information for the following purposes:
- To operate, maintain, and improve our Site and user experience.
- To send you our newsletter, if you have opted in. You can unsubscribe at any time using the link in every email.
- To respond to your comments or customer service inquiries.
- To detect and prevent spam or malicious activity.
- To understand how our audience uses the Site through analytics.
4. Cookies
Our Site uses “cookies” to enhance your experience. Cookies are small files placed on your device that help us analyse web traffic and remember your preferences.
You can choose to accept or decline cookies through your browser settings. Disabling cookies may prevent you from taking full advantage of the Site.
5. Affiliate Marketing & Advertising
MoneyHarbor.co.uk is primarily funded through affiliate marketing programs and advertising. This is important for you to understand:
- Affiliate Links: Our articles may contain special tracking links. If you click on an affiliate link and make a purchase on the partner site, we may earn a small commission at no extra cost to you.
- Third-Party Advertising: We use third-party advertising companies (like Google AdSense) to serve ads. These companies may use cookies to display ads relevant to your interests based on your browsing across sites.
- No Endorsement for Payment: We are never directly compensated to provide a positive opinion on a product, service, or website. Our content and opinions are our own.
6. How We Share Your Data
We do not sell, trade, or rent your personal identification information. We may share generic, aggregated demographic data (not linked to any individual) with partners.
We may share data with trusted third-party service providers only to help us operate the Site (e.g., email newsletter providers, spam detection services). These parties are obligated to keep your information confidential.
7. Data Retention & Your Rights
- Retention: If you leave a comment, the comment and its metadata are retained indefinitely. For users who register (if applicable), we store the personal information provided in their user profile.
- Your Rights (Under UK GDPR): You have the right to request access to, correction of, or deletion of the personal data we hold about you. You can exercise these rights by contacting us using the details at the end of this policy.
8. Data Security
We implement reasonable security measures to protect your personal information from unauthorised access, alteration, or destruction. However, no internet transmission is 100% secure, and we cannot guarantee absolute security.
9. Links to Other Websites
Our Site contains links to external websites (e.g., financial product providers, news articles). Once you leave our site, we have no control over that other website and its privacy practices. You should exercise caution and review the privacy policy of any site you visit.
10. Changes to This Privacy Policy
We may update this policy from time to time. We will notify you of any significant changes by posting the new policy on this page and updating the “Last Updated” date. Your continued use of the Site after any change signifies your acceptance.
11. Contact Us
If you have any questions about this Privacy Policy, please contact us via the contact form on our website at MoneyHarbor.co.uk.