Privacy Policy

Welcome to the digital properties of Wise Publishing, Inc., (“Wise Publishing”) which includes the Internet sites and software applications that you access or download to view MoneyWise.co.uk (“Site”).

This privacy policy ("Privacy Policy") aims to give you information on how Wise Publishing collects and processes your Personal Data through your use of this website, including any data you may provide through this website when you become a subscriber.

This website is not intended for children and we do not knowingly collect data relating to children.

The collection, use, and disclosure of your Personal Data will be governed under the terms of this privacy policy. By using this Site, you consent to the collection, use and disclosure of your Personal Data under the terms of this Privacy Policy.

We take your privacy very seriously and we are committed to safeguarding it. We take all reasonable steps to protect your privacy and your Personal Data. We do not accept any responsibility for unauthorized access, theft or loss of Personal Data beyond our reasonable control. Further, please note that communications over the Internet, such as emails, are not secure unless they are encrypted.

This version was created on February 3, 2022.

It is important that the Personal Data we hold about you is accurate and current. Please keep us informed if your Personal Data changes during your relationship with us. We keep our privacy policy under regular review and may change this policy without notice from time to time to reflect changes in legal or regulatory obligations.

By visiting MoneyWise, you agree to accept the policy that is in effect at that time. Accordingly, you may wish to check this site from time to time.

If we make any changes that materially affect Personal Data which we have already collected, we will take reasonable steps to notify you.

It is important that you read this privacy policy together with any other privacy policy or fair processing policy we may provide on specific occasions when we are collecting or processing Personal Data about you so that you are fully aware of how and why we are using your data. This privacy policy supplements other notices and privacy policies and is not intended to override them.

Wise Publishing is the controller and responsible for your Personal Data.

We have appointed a Data Manager who is responsible for overseeing questions in relation to this privacy policy. If you have any questions about this privacy policy, including any requests to exercise your legal rights, please contact the Data Manager using the details set out below in Section 13.

We do our best to keep your Personal Data safe and secure.

By using this site, you are consenting to our use of your Personal Data as set out in this privacy policy. It will change from time to time, so keep an eye on this page. We include the revision date on the header on the main page for your easy reference.

The following words and expressions have the following meanings unless inconsistent with the context:

"Content"

means any media that can be rendered on a web page intended for consumption by an end-user, including, but not limited to articles, quizzes, polls, surveys, videos, pictures, audio and embeds;

"Cookies or LocalStorage"

means a small amount of data sent from the server which is then stored on your computer's internal storage. This policy uses the word Cookies to refer to both methods (Cookies and LocalStorage) of storing this information;

"Lawful Basis"

Includes the following:

"Legitimate Interest"

means the interest of our business in conducting and managing our business to enable us to give you the best service/product and the best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your Personal Data for our legitimate interests. We do not use your Personal Data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us;

"Performance of Contract"

means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract;

"Comply with a legal obligation"

means processing your Personal Data where it is necessary for compliance with a legal obligation that we are subject to.;

"Personal Data"

Personal Data means any information or data about an individual from which that person, either by itself or in combination with other data, can be identified. It does not include data where the identity has been removed (anonymised data). The types of personal data we collect is set out in section 3;

"we", "us" or "our"

Wise Publishing, Inc., a company duly incorporated under the laws of the province of Ontario;

"you", "your"

an individual, company or firm accessing our Site.

The definitions are here – if a term doesn’t make sense, look here. The most important one is the definition of Personal Data – it is that information about an identifiable individual. It includes data, either alone or in combination with other data, that can identify an individual.

We may collect, use, store and transfer different kinds of Personal Data about you, which we have grouped together as follows:

Contact Data includes your email address;

Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website;

Profile Data includes your username and password, if you have registered as a subscriber, your interests, preferences, feedback and survey responses;

Usage Data includes information about how you use our website, products and services;

Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.

We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data could be derived from your Personal Data but is not considered Personal Data in law as this data will not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your Personal Data so that it can directly or indirectly identify you, we treat the combined data as Personal Data which will be used in accordance with this privacy policy.

Identity Data for our purposes is limited to your name.

Here are the types of information that are routinely collected at websites.

We collect limited data including contact, technical, profile, usage and marketing and communications data, and if you participate in a contest and in some situations a survey, your name, which is identity data.

We do not collect:

Financial Data includes bank account and payment card details.

Transaction Data includes details about payments to and from you and other details of products and services you have purchased from us.

Special Categories of Personal Data includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data). Nor do we collect any information about criminal convictions and offences.

We do not collect financial or transaction data.

We do not collect special categories of Personal Data.

If you fail to provide Personal Data

Where we need to collect Personal Data by law, or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with subscriber benefits). In this case, we may have to cancel a service you have with us but we will notify you if this is the case at the time.

We collect Personal Data from:

• from you directly, when you:
  • register, we collect your username, email address and password;
  • use the site, and geographic location;
  • complete surveys and/or respond to offers
  • contact us via email, mail or telephone.
• your internet browser:
  • type of device, browser and operating system version you use.
• analytics software installed on our Site such as:
  • demographic information such as IP address;
  • preferences and interests

We do not share your Personal Data to third parties except to assist us with our internal business operations, as set out in paragraph 7.

We do not ask you for, access or track any location-based information from your mobile device at any time.

We collect Personal Data from you; that you tell us directly; that your internet browser tells us (such as what operating system you are using); that your computer tells our software (such as demographic information and your preferences and interests).

We have set out at the end of this policy, in a table format, a description of all the ways we plan to use your Personal Data, and the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.

We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:

the information you provide directly:

• internal record keeping;
• to respond to your general queries from time to time by mail, email or telephone;
• to periodically send promotional emails containing information which we think you may find interesting using the email address which you have provided;
• for our general marketing purposes unless you have notified us to the contrary;

the information gathered by Cookies (visit this link for the full Cookie Policy)

• to improve our products and services;
• to optimization of the user interface and user experience;
• for security purposes to protect your Personal Data held and/or processed by us;
• for training our employees in respect of providing our services to you;
• to prevent, investigate or prosecute activity we think may be potentially illegal, unlawful or harmful; and,
• to enforce our Privacy Policy and/or our Terms of Use or any other purpose referenced herein or therein.

We do not sell your personally identifiable information. We may sell your information in an anonymised format. Your personally identifiable information will not be available in that format.

What do we do with your information?

It’s all business related; from record keeping and training to improving our products and services.

We may sell information collected by Cookies. If so, it is sold in an anonymised format only.

There is a separate Cookie Policy that you can access here.

The only Personal Data we share is your email address and that is for processing for analytic purposes. We do not share it for direct commercial gain.

We do not share any other Personal Data with third parties. We may share anonymised information, but it is not identifiable.

We only share anonymised information with third parties to assist us with our business, but your Personal Data is not provided.

If a law, regulation, search warrant, subpoena or court order legally requires or authorizes us to do so.

We reserve the right to disclose Personal Data to a third party if a law, regulation, search warrant, subpoena or court order legally requires or authorizes us to do so and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

We comply with court orders and laws that require us to disclose your Personal Data.

In the event of a proposed or actual acquisition.

We reserve the right to disclose and/or transfer Personal Data to a third party in the event of a proposed or actual purchase, sale (including a liquidation, realization, foreclosure or repossession), lease, merger, amalgamation or any other type of acquisition, disposal, transfer, conveyance or financing of all or any portion of Wise Publishing, or of any of the business or assets or shares of Wise Publishing, or a division thereof in order for you to continue to receive the same products and services from the third party. In any of these events, you will be notified via email and/or a prominent notice on our Site of any change in ownership or uses of your Personal Data, as well as any choices you may have regarding your Personal Data.

If another company buys Wise Publishing, your Personal Data is part of what they buy.

For the purposes set out in this policy, we process and store your Personal Data on servers located in Canada where it is governed by the laws of Canada.

Canada has been deemed by the UK to provide an adequate level of protection for Personal Data that is covered by Canada’s privacy laws. By providing us with your Personal Data, you are allowing your Personal Data to be transferred outside of the United Kingdom.

Information may be processed and stored outside of the jurisdiction where you live.

We are committed to ensuring that your Personal Data is secure. In order to prevent loss, theft and unauthorized access, copying, use, modification or disclosure, we have put in place physical, electronic and managerial procedures to safeguard and help secure the Personal Data we collect. All of our employees and subcontractors with access to your Personal Data and/or who are associated with the processing of that data are contractually obliged to protect your Personal Data. Our safeguards include firewalls, encryption technology, password protected computers and detailed contracts with our employees and contractors.

We retain your Personal Data for as long as necessary to fulfill the purpose(s) for which it was collected and to comply with applicable laws.

To determine the appropriate retention period for Personal Data, we consider the amount, nature and sensitivity of the Personal Data, the potential risk of harm from unauthorised use or disclosure of your Personal Data, the purposes for which we process your Personal Data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.

We take a lot of precautions to keep your Personal Data secure. Through training our employees, contractual provisions to protect your Personal Data with anyone we do business with, and technical security measures.

We keep your information for as long as necessary for the business purpose for which it was collected.

You have rights under data protection laws in relation to your Personal Data.

You have the right to:

Under certain circumstances, you have the right to:

Request access to your Personal Data (commonly known as a "data subject access request"). This enables you to receive a copy of the Personal Data we hold about you and to check that we are lawfully processing it.

Request access to your Personal Data;

Request correction of the Personal Data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.

Request correction of your Personal Data;

Request erasure of your Personal Data. This enables you to ask us to delete or remove Personal Data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your Personal Data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your Personal Data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.

Request erasure of your Personal Data;

Object to processing of your Personal Data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your Personal Data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.

Object to processing of your Personal Data;

Request restriction of processing of your Personal Data. This enables you to ask us to suspend the processing of your Personal Data in the following scenarios:

• If you want us to establish the data's accuracy.
• Where our use of the data is unlawful, but you do not want us to erase it.
• Where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims.
• You have objected to our use of your data, but we need to verify whether we have overriding legitimate grounds to use it.

Request restriction of processing of your Personal Data;

Request the transfer of your Personal Data to you or to a third party. We will provide to you, or a third party you have chosen, your Personal Data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.

Request transfer of your Personal Data;

Withdraw consent at any time where we are relying on consent to process your Personal Data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.

Right to withdraw consent.

If you wish to exercise any of the rights set out above, please contact us.

Our Sites may contain links to other websites of interest and to advertiser websites. Once you have used these links to leave our Site, you should note that we do not have any control over that other website and the privacy practices of other websites. We cannot be responsible for the protection and privacy of any information which you provide whilst visiting such websites and such websites are not governed by this Privacy Policy. You should exercise caution and look at the privacy statement applicable to the website in question.

There are links to other websites on our Site, including links to advertisers. If you leave this Site via a link, it is the privacy policy of the site you are on, not this Site, that applies.

You may choose to restrict the collection, use or disclosure of your Personal Data in the following ways:

If you have previously agreed to us using your Personal Data, you may change your mind at any time by contacting us using a method described in Section 13. There may be some limits in our ability to delete certain information.

If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you. You may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in those emails or by contacting us using a method described in Section 13.

In some cases, we may not be able to remove your Personal Data. If we are unable to do so, we will let you know and why.

If you have signed up as s subscriber, you can remove information about you in the following way:
1. Log in at https://moneywise.co.uk/
2. Navigate to the account link on the navigation.
3. Click remove the account.
4. You will receive an email.
5. Once you receive the email, click to confirm account deletion.

You have the right to request from us information about the existence, use and disclosure of your Personal Data. You will not have to pay a fee to access your Personal Data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we could refuse to comply with your request in these circumstances.

If you would like a copy of the relevant information, please write to our GDPR UK rep.

We may need to request specific information from you to help us confirm your identity and ensure your right to access your Personal Data (or to exercise any of your other rights). This is a security measure to ensure that Personal Data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

We will provide you with the relevant information within thirty (30) days of receipt of the request or otherwise as required by law.

You can get information about and control your Personal Data. See Section 13 below about how to get in touch to make a request.

We have appointed GRCI Law Limited to act as our UK Representative. If you wish to exercise your rights under the UK General Data Protection Regulation (GDPR), or have any queries in relation to your rights or privacy matters generally please email our Representative at [email protected] or post your request or query to:

UK Representative, GRCI Law Limited, Unit 3, Clive Court, Bartholomew’s Walk,

Cambridgeshire Business Park, Ely, Cambridgeshire, CB7 4EA, UK

When contacting our Representative please ensure you include our company name in any correspondence.

To contact us about GDPR concerns: [email protected].

If you want to learn more about your rights regarding your Personal Data or make a complaint to the Information Commissioner's Office:

The ICO’s address:
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Helpline number: 0303 123 1113

ICO website: https://www.ico.org.uk.

To contact the Privacy Information Commissioner’s Office:

Helpline number: 0303 123 1113

ICO website: https://www.ico.org.uk