Privacy & Cookies Policy
The policy sets out the different areas where user privacy is concerned and outlines the obligations & requirements of the users, the website and website owners. Furthermore the way this website processes, stores and protects user data and information will also be detailed within this policy.
This website and its owners take a proactive approach to user privacy and ensure the necessary steps are taken to protect the privacy of its users throughout their visiting experience. This website complies to all UK national laws and requirements for user privacy.
Cookies are small files saved to the user’s computers hard drive that track, save and store information about the user’s interactions and usage of the website. This allows the website, through its server to provide the users with a tailored experience within this website.
Users are advised that if they wish to deny the use and saving of cookies from this website on to their computers hard drive they should take necessary steps within their web browsers security settings to block all cookies from this website and its external serving vendors.
Other cookies may be stored to your computers hard drive by external vendors when this website uses referral programs, sponsored links or adverts. Such cookies are used for conversion and referral tracking and typically expire after 30 days, though some may take longer. No personal information is stored, saved or collected.
How we will use your data
In order to provide our services, we need to collect and process personal data about you and disclose this information to a number of third party service providers. By using our website, you confirm your explicit consent to such data being processed by ourselves or any third party providers that we may use.
In accordance with the Privacy and Electronic Communications Directive My Finance review will clearly indicate when and where you are opting into communications from one of our partners. In the course of our telephone surveys or during our online surveys you will be asked if you wish to receive communications from specific partners for each category. This is necessary for the service to function as designed and your permission is required to allow them to contact you. Once this information is passed to any of our partners they will become a controller and owner of this data and while we take steps to ensure your data is handled correctly throughout the process we cannot be held responsible for what happens to this data when passed to a third party.
We may use your data to review and analyse market trends and to track sales data, including but not limited to data provided as part of your quotation, information on how you use our website, pages you have viewed and which website you used previously to visit ours. We may also pass this data to third parties for analytical purposes. Certain providers may compare your information against data they, or the company behind the brand they represent or their group of companies, already hold on you from existing products or services, and share this with the underwriters for the purpose of analysing market trends or to assess membership and transactions against certain loyalty schemes and apply a discount if applicable.
There may be a requirement to process your personal data in other countries outside of the European Economic Area where data protection safeguards differ to those of the UK. Where this is necessary, we will ensure that your data is kept securely and only processed in accordance with the Data Protection Act. Some of our service providers may also process your data in other countries and we require all your data is kept securely at all time and the same UK standards are met.
Dislosure of Personal Information
- We are legally compelled to do so
- There is a duty to the public to disclose
- Disclosure is required to protect our interest
- Disclosure is made at your request or with your written consent
Contact & Communication
Users contacting this website and/or its owners do so at their own discretion and provide any such personal details requested at their own risk. Your personal information is kept private and stored securely until a time it is no longer required or has no use, as detailed in the Data Protection Act 1998. Every effort has been made to ensure a safe and secure form to email submission process but advise users using such form to email processes that they do so at their own risk.
This website and its owners use any information submitted to provide you with further information about the products / services they offer or to assist you in answering any questions or queries you may have submitted. This includes using your details to subscribe you to any email newsletter program the website operates but only if this was made clear to you and your express permission was granted when submitting any form to email process. Or whereby you the consumer have previously purchased from or enquired about purchasing from the company a product or service that the email newsletter relates to. This is by no means an entire list of your user rights in regard to receiving email marketing material. Your details are not passed on to any third parties.
This website operates an email newsletter program, used to inform subscribers about products and services supplied by this website. Users can subscribe through an online automated process should they wish to do so but do so at their own discretion. Some subscriptions may be manually processed through prior written agreement with the user.
Subscriptions are taken in compliance with UK Spam Laws detailed in the Privacy and Electronic Communications Regulations 2003. All personal details relating to subscriptions are held securely and in accordance with the Data Protection Act 1998. Under the Data Protection Act 1998 you may request a copy of personal information held about you by this website’s email newsletter program. A small fee will be payable. If you would like a copy of the information held on you please write to the business address at the bottom of this policy.
Email marketing campaigns published by this website or its owners may contain tracking facilities within the actual email. Subscriber activity is tracked and stored in a database for future analysis and evaluation. Such tracked activity may include; the opening of emails, forwarding of emails, the clicking of links within the email content, times, dates and frequency of activity [this is by no means a comprehensive list]. This information is used to refine future email campaigns and supply the user with more relevant content based around their activity.
In compliance with UK Spam Laws and the Privacy and Electronic Communications Regulations 2003 subscribers are given the opportunity to un-subscribe at any time through an automated system. This process is detailed at the footer of each email campaign. Users are given the opportunity to unsubscribe from Email communications either by clinking the unsubscribe link in the My Finance Review email newsletters or by filling out the relevant information in the unsubscribe form located here.
By completing any form on My Finance Review, you consent that my finance review may contact you via the methods outlined as you complete the form. By signing up for our Financial Fitness Test you acknowledge that you will receive telephone calls on behalf of My Finance Review. We make no attempt to hide the fact this test is conducted over the telephone, this may result in several dialling attempts to achieve that contact. While we make all attempts to ensure that our attempts to contact you do not become a nuisance we cannot guarantee that offence will not be caused.
From time to time My Finance Review will contact you via the telephone to market new products or services that may be of interest to you based on the actions you undertake during your activity on this website or during any telephone activity with either My Finance Review or our partners.
By completing any form on My Finance Review, you consent that my finance review may contact you via the methods outlined as you complete the form. From time to time My Finance Review will contact you via the Short Message Service (SMS) to market new products or services that may be of interest to you based on the actions you undertake during your activity on this website or during any telephone activity with either My Finance Review or our partners.
Although this website only looks to include quality, safe and relevant external links, users are advised adopt a policy of caution before clicking any external web links mentioned throughout this website. (External links are clickable text / banner / image links to other websites, similar to O2.co.uk or NationalBroadbandService.co.uk.)
The owners of this website cannot guarantee or verify the contents of any externally linked website despite their best efforts. Users should therefore note they click on external links at their own risk and this website and its owners cannot be held liable for any damages or implications caused by visiting any external links mentioned.
Adverts and Sponsored Links
This website may contain sponsored links and adverts. These will typically be served through our advertising partners, to whom may have detailed privacy policies relating directly to the adverts they serve.
Social Media Platforms
Communication, engagement and actions taken through external social media platforms that this website and its owners participate on are custom to the terms and conditions as well as the privacy policies held with each social media platform respectively.
Users are advised to use social media platforms wisely and communicate / engage upon them with due care and caution in regard to their own privacy and personal details. This website nor its owners will ever ask for personal or sensitive information through social media platforms and encourage users wishing to discuss sensitive details to contact them through primary communication channels such as by telephone or email.
This website may use social sharing buttons which help share web content directly from web pages to the social media platform in question. Users are advised before using such social sharing buttons that they do so at their own discretion and note that the social media platform may track and save your request to share a web page respectively through your social media platform account.
Shortened Links in Social Media
This website and its owners through their social media platform accounts may share web links to relevant web pages. By default some social media platforms shorten lengthy urls to shorter versions that may look similar to the following: http://bit.ly/zyVUBo.
Users are advised to take caution and good judgement before clicking any shortened urls published on social media platforms by this website and its owners. Despite the best efforts to ensure only genuine urls are published many social media platforms are prone to spam and hacking and therefore this website and its owners cannot be held liable for any damages or implications caused by visiting any shortened links.