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Privacy and Security

1. Who We Are

AVC Wise Limited (t/a My Money Matters) (“we”, “us”, “our”) is committed to protecting your personal data and respecting your privacy. This Privacy Notice is in line with the UK GDPR and the Data Protection Act.

AVC Wise Limited is registered in England and Wales. Registered office: First Floor, 5 Fleet Place, London, EC4M 7RD, United Kingdom.

AVC Wise Limited is the data controller for personal data processed through this website.

This privacy notice explains how we collect, use, store, share, and protect personal data when you:

  • visit our website;
  • submit enquiries;
  • subscribe to communications;
  • download resources; or
  • otherwise interact with us through this website.

Separate privacy notices apply to our platform services, mobile applications, and employer-provided services.

For questions about this privacy notice or our handling of personal data, please contact:

  • Email: DPO@my-money-matters.co.uk
  • Telephone: 01252 959 779
  • Postal address: AVC Wise Limited, First Floor, 5 Fleet Place, London, EC4M 7RD

2. The Personal Data We Collect

We may collect and process the following categories of personal data:

  1. Identification Information
    1. Name
  2. Contact Information
    1. Email address
    2. Telephone number
    3. Postal address
    4. Organisation or employer details where provided
  3. Communications
    1. Enquiries and correspondence
    2. Customer support interactions
    3. Feedback and survey responses
  4. Technical and Usage Information
    1. IP address
    2. Browser type and device information
    3. Website usage data
    4. Cookies and analytics data
    5. Log and diagnostic information

We may also process personal data submitted in connection with recruitment opportunities and job applications. See our Applicant Privacy Notice.

We collect personal data:

  • from you;
  • from service providers acting on your behalf; and
  • automatically through your use of our website and services.

3. How We Use Your Personal Data

We use personal data for the following purposes:

Purpose

Lawful Basis

Responding to enquiries and support requests

Legitimate interests

Improving our website, products, and services

Legitimate interests

Website analytics and performance monitoring

Consent

Fraud prevention and maintaining system security

Legitimate interests / Legal obligation

Complying with legal and regulatory obligations

Legal obligation

Sending service-related communications

Legitimate interests

Sending marketing communications

Consent

Managing complaints and disputes

Legitimate interests / Legal obligation

Where we rely on legitimate interests, we assess and balance any potential impact on your rights and freedoms before processing your personal data. Where processing is based on consent, you may withdraw consent at any time. If you contact us through our website forms, we will use your information to respond to your enquiry and maintain records of our communications.

4. Marketing Communications

Where permitted by law, we may send you information about our services, products, updates, or events. We will only send marketing communications where:

  • you have provided consent; or
  • another lawful basis under applicable law applies.

Where required by law, we will obtain your consent before sending direct electronic marketing communications.

You can unsubscribe from marketing communications at any time by:

  • clicking the unsubscribe link in emails;
  • adjusting your preferences; or
  • contacting us directly via:
    • Telephone: 01252 959 779
    • Email: support@my-money-matters.co.uk
    • Post: AVC Wise Limited (t/a My Money Matters), First Floor, 5 Fleet Place, London, United Kingdom, EC4M 7RD

5. Cookies and Similar Technologies

Our website uses cookies and similar technologies to:

  • ensure the website functions properly;
  • improve user experience;
  • analyse website performance and usage; and
  • support advertising and remarketing activities where consent has been provided.

Cookies may include:

  • essential cookies;
  • analytics cookies;
  • functionality cookies; and
  • advertising or targeting cookies.

We only use non-essential cookies, including analytics and advertising cookies, where you have provided consent through our cookie preference tool.

You can manage or withdraw your cookie preferences at any time through our cookie settings.

For more information, please see our Cookie Notice.

6. Analytics and Advertising

We use analytics and advertising services, including Google Analytics and Google Ads remarketing technologies. These technologies help us:

  • understand how visitors use our website;
  • improve website performance;
  • measure marketing effectiveness; and
  • display relevant advertisements to previous website visitors.

Third-party providers may use cookies or similar technologies to collect information about your interactions with our website and other websites.

You can control advertising preferences through:

  • our cookie preference centre;
  • your browser settings; or
  • Google Ad Settings.

7. Sharing Your Personal Data

We may share personal data with trusted third parties where necessary for the purposes described in this notice.

This may include:

  • cloud hosting and IT service providers;
  • analytics and website performance providers;
  • communication and customer support providers;
  • professional advisers, auditors, insurers, and legal advisers;
  • regulators, law enforcement agencies, or government authorities where required by law;

Where third parties process personal data on our behalf, they are required to:

  • process personal data only on documented instructions;
  • maintain confidentiality; and
  • implement appropriate technical and organisational security measures.

We do not sell personal data.

8. International Transfers

Some of our service providers may process personal data outside the United Kingdom.

Where personal data is transferred internationally, we ensure appropriate safeguards are in place, including:

  • UK adequacy regulations;
  • approved international data transfer agreements; or
  • International Data Transfer Agreement (IDTA)" or the "UK Addendum to EU SCCs.

We also assess whether additional technical or organisational safeguards are required to protect transferred data.

9. Data Retention

We retain personal data only for as long as necessary for the purposes described in this notice, including to satisfy legal, regulatory, contractual, accounting, and reporting obligations.

Retention periods vary depending on the type of data and the purpose of processing.

Examples include:

  • account and service records;
  • customer support records;
  • security and audit logs;
  • marketing suppression records; and
  • legal and regulatory compliance records.

When personal data is no longer required, we securely delete or anonymise it.

10. Security

We implement appropriate technical and organisational measures to protect personal data against accidental or unlawful destruction, loss, alteration, unauthorised disclosure, or access. These measures include:

  • encryption in transit;
  • secure hosting environments;
  • access controls;
  • authentication measures;
  • system monitoring; and
  • staff confidentiality and security training.

Although we take reasonable steps to protect personal data, no system can be guaranteed completely secure.

11. Automated Decision-Making

We do not carry out solely automated decision-making that produces legal or similarly significant effects on individuals.

12. Your Data Protection Rights

Under UK data protection law, you have the right to:

  1. access your personal data;
  2. request correction of inaccurate or incomplete data;
  3. request deletion of your personal data;
  4. restrict or object to certain processing activities;
  5. request transfer of your personal data to another provider;
  6. withdraw consent where processing is based on consent; and
  7. lodge a complaint with the UK Information Commissioner’s Office (ICO).

We may need to verify your identity before responding to requests and aim to respond to valid requests within one calendar month.

To exercise your rights, please contact: DPO@my-money-matters.co.uk

13. Complaints

If you have concerns about how we handle your personal data, please contact us , we’d appreciate the opportunity to resolve any concerns. You also have the right to complain to the UK Information Commissioner’s Office (ICO):

  • Website: https://www.ico.org.uk
  • Telephone: 0303 123 1113

14. Children’s Privacy

Our services are not intended for children under the age of 18, and we do not knowingly collect personal data from children. If we become aware that personal data relating to a child has been collected unintentionally, we will take steps to delete it.

15. Third-Party Websites

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices or content of third-party websites. We encourage you to read their privacy notices before providing personal data.

16. Changes to This Privacy Notice

We may update this privacy notice from time to time to reflect changes in:

  • legal requirements;
  • regulatory guidance;
  • technology;
  • business practices; or
  • our services.

Any updates will be published on this page.